LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,437
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,468
−HK$3,079/mo
Today · 4.125%
HK$103,547
baseline
▲ 0.50% · 4.625%
HK$109,848
+HK$6,301/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$207,094/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$1,816,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,398
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,305
−HK$2,949/mo
Today · 4.125%
HK$114,254
baseline
▲ 0.50% · 4.625%
HK$120,277
+HK$6,023/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$228,508/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$1,816,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,925
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$120,562
−HK$3,695/mo
Today · 4.125%
HK$124,257
baseline
▲ 0.50% · 4.625%
HK$131,818
+HK$7,561/mo
Deposit HK$17.09M · loan HK$25.64M · min. income ≈ HK$248,514/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,816,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,078
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$133,566
−HK$3,539/mo
Today · 4.125%
HK$137,105
baseline
▲ 0.50% · 4.625%
HK$144,332
+HK$7,227/mo
Deposit HK$17.09M · loan HK$25.64M · min. income ≈ HK$274,210/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,816,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,412
−HK$8,554/mo
▼ 0.25% · 3.875%
HK$140,655
−HK$4,311/mo
Today · 4.125%
HK$144,966
baseline
▲ 0.50% · 4.625%
HK$153,787
+HK$8,821/mo
Deposit HK$12.82M · loan HK$29.91M · min. income ≈ HK$289,932/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,757
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$155,827
−HK$4,129/mo
Today · 4.125%
HK$159,956
baseline
▲ 0.50% · 4.625%
HK$168,388
+HK$8,432/mo
Deposit HK$12.82M · loan HK$29.91M · min. income ≈ HK$319,912/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,387
−HK$10,998/mo
▼ 0.25% · 3.875%
HK$180,843
−HK$5,542/mo
Today · 4.125%
HK$186,385
baseline
▲ 0.50% · 4.625%
HK$197,726
+HK$11,341/mo
Deposit HK$4.27M · loan HK$38.46M · min. income ≈ HK$372,770/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,116
−HK$10,542/mo
▼ 0.25% · 3.875%
HK$200,349
−HK$5,309/mo
Today · 4.125%
HK$205,658
baseline
▲ 0.50% · 4.625%
HK$216,498
+HK$10,840/mo
Deposit HK$4.27M · loan HK$38.46M · min. income ≈ HK$411,316/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,061 · Scale 2, in force from 26 Feb 2026)