LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,457
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,489
−HK$3,079/mo
Today · 4.125%
HK$103,568
baseline
▲ 0.50% · 4.625%
HK$109,870
+HK$6,302/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$207,136/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,420
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,328
−HK$2,950/mo
Today · 4.125%
HK$114,278
baseline
▲ 0.50% · 4.625%
HK$120,301
+HK$6,023/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$228,556/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,948
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$120,586
−HK$3,696/mo
Today · 4.125%
HK$124,282
baseline
▲ 0.50% · 4.625%
HK$131,844
+HK$7,562/mo
Deposit HK$17.10M · loan HK$25.64M · min. income ≈ HK$248,564/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,816,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,104
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$133,593
−HK$3,540/mo
Today · 4.125%
HK$137,133
baseline
▲ 0.50% · 4.625%
HK$144,362
+HK$7,229/mo
Deposit HK$17.10M · loan HK$25.64M · min. income ≈ HK$274,266/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,816,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,440
−HK$8,556/mo
▼ 0.25% · 3.875%
HK$140,684
−HK$4,312/mo
Today · 4.125%
HK$144,996
baseline
▲ 0.50% · 4.625%
HK$153,819
+HK$8,823/mo
Deposit HK$12.82M · loan HK$29.92M · min. income ≈ HK$289,992/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,788
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$155,859
−HK$4,130/mo
Today · 4.125%
HK$159,989
baseline
▲ 0.50% · 4.625%
HK$168,422
+HK$8,433/mo
Deposit HK$12.82M · loan HK$29.92M · min. income ≈ HK$319,978/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,423
−HK$11,000/mo
▼ 0.25% · 3.875%
HK$180,879
−HK$5,544/mo
Today · 4.125%
HK$186,423
baseline
▲ 0.50% · 4.625%
HK$197,767
+HK$11,344/mo
Deposit HK$4.27M · loan HK$38.47M · min. income ≈ HK$372,846/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,156
−HK$10,544/mo
▼ 0.25% · 3.875%
HK$200,390
−HK$5,310/mo
Today · 4.125%
HK$205,700
baseline
▲ 0.50% · 4.625%
HK$216,542
+HK$10,842/mo
Deposit HK$4.27M · loan HK$38.47M · min. income ≈ HK$411,400/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,430 · Scale 2, in force from 26 Feb 2026)