LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,429
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,459
−HK$3,079/mo
Today · 4.125%
HK$103,538
baseline
▲ 0.50% · 4.625%
HK$109,838
+HK$6,300/mo
Deposit HK$21.36M · loan HK$21.36M · min. income ≈ HK$207,076/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$1,815,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,388
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,295
−HK$2,949/mo
Today · 4.125%
HK$114,244
baseline
▲ 0.50% · 4.625%
HK$120,266
+HK$6,022/mo
Deposit HK$21.36M · loan HK$21.36M · min. income ≈ HK$228,488/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$1,815,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,914
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$120,551
−HK$3,695/mo
Today · 4.125%
HK$124,246
baseline
▲ 0.50% · 4.625%
HK$131,806
+HK$7,560/mo
Deposit HK$17.09M · loan HK$25.64M · min. income ≈ HK$248,492/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,815,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,066
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$133,554
−HK$3,539/mo
Today · 4.125%
HK$137,093
baseline
▲ 0.50% · 4.625%
HK$144,320
+HK$7,227/mo
Deposit HK$17.09M · loan HK$25.64M · min. income ≈ HK$274,186/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,815,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,400
−HK$8,554/mo
▼ 0.25% · 3.875%
HK$140,643
−HK$4,311/mo
Today · 4.125%
HK$144,954
baseline
▲ 0.50% · 4.625%
HK$153,774
+HK$8,820/mo
Deposit HK$12.82M · loan HK$29.91M · min. income ≈ HK$289,908/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,744
−HK$8,198/mo
▼ 0.25% · 3.875%
HK$155,814
−HK$4,128/mo
Today · 4.125%
HK$159,942
baseline
▲ 0.50% · 4.625%
HK$168,373
+HK$8,431/mo
Deposit HK$12.82M · loan HK$29.91M · min. income ≈ HK$319,884/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,372
−HK$10,997/mo
▼ 0.25% · 3.875%
HK$180,827
−HK$5,542/mo
Today · 4.125%
HK$186,369
baseline
▲ 0.50% · 4.625%
HK$197,709
+HK$11,340/mo
Deposit HK$4.27M · loan HK$38.45M · min. income ≈ HK$372,738/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,099
−HK$10,541/mo
▼ 0.25% · 3.875%
HK$200,332
−HK$5,308/mo
Today · 4.125%
HK$205,640
baseline
▲ 0.50% · 4.625%
HK$216,479
+HK$10,839/mo
Deposit HK$4.27M · loan HK$38.45M · min. income ≈ HK$411,280/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,902 · Scale 2, in force from 26 Feb 2026)