LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,463
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,495
−HK$3,080/mo
Today · 4.125%
HK$103,575
baseline
▲ 0.50% · 4.625%
HK$109,878
+HK$6,303/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$207,150/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,427
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,335
−HK$2,950/mo
Today · 4.125%
HK$114,285
baseline
▲ 0.50% · 4.625%
HK$120,309
+HK$6,024/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$228,570/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,956
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$120,594
−HK$3,696/mo
Today · 4.125%
HK$124,290
baseline
▲ 0.50% · 4.625%
HK$131,853
+HK$7,563/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,580/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,816,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,112
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$133,602
−HK$3,540/mo
Today · 4.125%
HK$137,142
baseline
▲ 0.50% · 4.625%
HK$144,371
+HK$7,229/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,284/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,816,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,449
−HK$8,556/mo
▼ 0.25% · 3.875%
HK$140,693
−HK$4,312/mo
Today · 4.125%
HK$145,005
baseline
▲ 0.50% · 4.625%
HK$153,829
+HK$8,824/mo
Deposit HK$12.82M · loan HK$29.92M · min. income ≈ HK$290,010/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,798
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$155,869
−HK$4,130/mo
Today · 4.125%
HK$159,999
baseline
▲ 0.50% · 4.625%
HK$168,433
+HK$8,434/mo
Deposit HK$12.82M · loan HK$29.92M · min. income ≈ HK$319,998/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,434
−HK$11,001/mo
▼ 0.25% · 3.875%
HK$180,891
−HK$5,544/mo
Today · 4.125%
HK$186,435
baseline
▲ 0.50% · 4.625%
HK$197,780
+HK$11,345/mo
Deposit HK$4.27M · loan HK$38.47M · min. income ≈ HK$372,870/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,169
−HK$10,544/mo
▼ 0.25% · 3.875%
HK$200,403
−HK$5,310/mo
Today · 4.125%
HK$205,713
baseline
▲ 0.50% · 4.625%
HK$216,556
+HK$10,843/mo
Deposit HK$4.27M · loan HK$38.47M · min. income ≈ HK$411,426/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,548 · Scale 2, in force from 26 Feb 2026)