LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,388
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,417
−HK$3,078/mo
Today · 4.125%
HK$103,495
baseline
▲ 0.50% · 4.625%
HK$109,793
+HK$6,298/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$206,990/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,815,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,343
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$111,249
−HK$2,948/mo
Today · 4.125%
HK$114,197
baseline
▲ 0.50% · 4.625%
HK$120,216
+HK$6,019/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$228,394/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,815,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,866
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$120,501
−HK$3,693/mo
Today · 4.125%
HK$124,194
baseline
▲ 0.50% · 4.625%
HK$131,751
+HK$7,557/mo
Deposit HK$17.08M · loan HK$25.63M · min. income ≈ HK$248,388/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,815,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,012
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$133,499
−HK$3,537/mo
Today · 4.125%
HK$137,036
baseline
▲ 0.50% · 4.625%
HK$144,259
+HK$7,223/mo
Deposit HK$17.08M · loan HK$25.63M · min. income ≈ HK$274,072/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,815,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,343
−HK$8,550/mo
▼ 0.25% · 3.875%
HK$140,584
−HK$4,309/mo
Today · 4.125%
HK$144,893
baseline
▲ 0.50% · 4.625%
HK$153,710
+HK$8,817/mo
Deposit HK$12.81M · loan HK$29.90M · min. income ≈ HK$289,786/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,680
−HK$8,195/mo
▼ 0.25% · 3.875%
HK$155,748
−HK$4,127/mo
Today · 4.125%
HK$159,875
baseline
▲ 0.50% · 4.625%
HK$168,303
+HK$8,428/mo
Deposit HK$12.81M · loan HK$29.90M · min. income ≈ HK$319,750/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,298
−HK$10,993/mo
▼ 0.25% · 3.875%
HK$180,751
−HK$5,540/mo
Today · 4.125%
HK$186,291
baseline
▲ 0.50% · 4.625%
HK$197,627
+HK$11,336/mo
Deposit HK$4.27M · loan HK$38.44M · min. income ≈ HK$372,582/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,018
−HK$10,536/mo
▼ 0.25% · 3.875%
HK$200,248
−HK$5,306/mo
Today · 4.125%
HK$205,554
baseline
▲ 0.50% · 4.625%
HK$216,389
+HK$10,835/mo
Deposit HK$4.27M · loan HK$38.44M · min. income ≈ HK$411,108/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,143 · Scale 2, in force from 26 Feb 2026)