LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,415
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,445
−HK$3,079/mo
Today · 4.125%
HK$103,524
baseline
▲ 0.50% · 4.625%
HK$109,823
+HK$6,299/mo
Deposit HK$21.36M · loan HK$21.36M · min. income ≈ HK$207,048/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$1,815,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,373
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$111,280
−HK$2,948/mo
Today · 4.125%
HK$114,228
baseline
▲ 0.50% · 4.625%
HK$120,249
+HK$6,021/mo
Deposit HK$21.36M · loan HK$21.36M · min. income ≈ HK$228,456/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$1,815,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,898
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$120,534
−HK$3,694/mo
Today · 4.125%
HK$124,228
baseline
▲ 0.50% · 4.625%
HK$131,787
+HK$7,559/mo
Deposit HK$17.09M · loan HK$25.63M · min. income ≈ HK$248,456/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,815,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,048
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$133,536
−HK$3,538/mo
Today · 4.125%
HK$137,074
baseline
▲ 0.50% · 4.625%
HK$144,299
+HK$7,225/mo
Deposit HK$17.09M · loan HK$25.63M · min. income ≈ HK$274,148/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,815,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,381
−HK$8,552/mo
▼ 0.25% · 3.875%
HK$140,623
−HK$4,310/mo
Today · 4.125%
HK$144,933
baseline
▲ 0.50% · 4.625%
HK$153,752
+HK$8,819/mo
Deposit HK$12.82M · loan HK$29.90M · min. income ≈ HK$289,866/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,722
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$155,791
−HK$4,128/mo
Today · 4.125%
HK$159,919
baseline
▲ 0.50% · 4.625%
HK$168,349
+HK$8,430/mo
Deposit HK$12.82M · loan HK$29.90M · min. income ≈ HK$319,838/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,347
−HK$10,996/mo
▼ 0.25% · 3.875%
HK$180,801
−HK$5,542/mo
Today · 4.125%
HK$186,343
baseline
▲ 0.50% · 4.625%
HK$197,681
+HK$11,338/mo
Deposit HK$4.27M · loan HK$38.45M · min. income ≈ HK$372,686/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,072
−HK$10,539/mo
▼ 0.25% · 3.875%
HK$200,303
−HK$5,308/mo
Today · 4.125%
HK$205,611
baseline
▲ 0.50% · 4.625%
HK$216,449
+HK$10,838/mo
Deposit HK$4.27M · loan HK$38.45M · min. income ≈ HK$411,222/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,645 · Scale 2, in force from 26 Feb 2026)