LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,424
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,454
−HK$3,079/mo
Today · 4.125%
HK$103,533
baseline
▲ 0.50% · 4.625%
HK$109,833
+HK$6,300/mo
Deposit HK$21.36M · loan HK$21.36M · min. income ≈ HK$207,066/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$1,815,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,383
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,290
−HK$2,949/mo
Today · 4.125%
HK$114,239
baseline
▲ 0.50% · 4.625%
HK$120,260
+HK$6,021/mo
Deposit HK$21.36M · loan HK$21.36M · min. income ≈ HK$228,478/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$1,815,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,909
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$120,545
−HK$3,695/mo
Today · 4.125%
HK$124,240
baseline
▲ 0.50% · 4.625%
HK$131,800
+HK$7,560/mo
Deposit HK$17.09M · loan HK$25.63M · min. income ≈ HK$248,480/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,815,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,060
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$133,548
−HK$3,538/mo
Today · 4.125%
HK$137,086
baseline
▲ 0.50% · 4.625%
HK$144,312
+HK$7,226/mo
Deposit HK$17.09M · loan HK$25.63M · min. income ≈ HK$274,172/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,815,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,393
−HK$8,553/mo
▼ 0.25% · 3.875%
HK$140,636
−HK$4,310/mo
Today · 4.125%
HK$144,946
baseline
▲ 0.50% · 4.625%
HK$153,766
+HK$8,820/mo
Deposit HK$12.82M · loan HK$29.91M · min. income ≈ HK$289,892/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,736
−HK$8,198/mo
▼ 0.25% · 3.875%
HK$155,806
−HK$4,128/mo
Today · 4.125%
HK$159,934
baseline
▲ 0.50% · 4.625%
HK$168,364
+HK$8,430/mo
Deposit HK$12.82M · loan HK$29.91M · min. income ≈ HK$319,868/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,363
−HK$10,997/mo
▼ 0.25% · 3.875%
HK$180,818
−HK$5,542/mo
Today · 4.125%
HK$186,360
baseline
▲ 0.50% · 4.625%
HK$197,699
+HK$11,339/mo
Deposit HK$4.27M · loan HK$38.45M · min. income ≈ HK$372,720/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,089
−HK$10,541/mo
▼ 0.25% · 3.875%
HK$200,322
−HK$5,308/mo
Today · 4.125%
HK$205,630
baseline
▲ 0.50% · 4.625%
HK$216,469
+HK$10,839/mo
Deposit HK$4.27M · loan HK$38.45M · min. income ≈ HK$411,260/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,811 · Scale 2, in force from 26 Feb 2026)