LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,468
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,500
−HK$3,080/mo
Today · 4.125%
HK$103,580
baseline
▲ 0.50% · 4.625%
HK$109,883
+HK$6,303/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$207,160/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,432
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,340
−HK$2,951/mo
Today · 4.125%
HK$114,291
baseline
▲ 0.50% · 4.625%
HK$120,315
+HK$6,024/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$228,582/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,962
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$120,600
−HK$3,696/mo
Today · 4.125%
HK$124,296
baseline
▲ 0.50% · 4.625%
HK$131,859
+HK$7,563/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,592/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,816,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,119
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$133,609
−HK$3,540/mo
Today · 4.125%
HK$137,149
baseline
▲ 0.50% · 4.625%
HK$144,378
+HK$7,229/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,298/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,816,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,455
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$140,700
−HK$4,312/mo
Today · 4.125%
HK$145,012
baseline
▲ 0.50% · 4.625%
HK$153,836
+HK$8,824/mo
Deposit HK$12.82M · loan HK$29.92M · min. income ≈ HK$290,024/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,805
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$155,877
−HK$4,130/mo
Today · 4.125%
HK$160,007
baseline
▲ 0.50% · 4.625%
HK$168,441
+HK$8,434/mo
Deposit HK$12.82M · loan HK$29.92M · min. income ≈ HK$320,014/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,443
−HK$11,002/mo
▼ 0.25% · 3.875%
HK$180,900
−HK$5,545/mo
Today · 4.125%
HK$186,445
baseline
▲ 0.50% · 4.625%
HK$197,789
+HK$11,344/mo
Deposit HK$4.27M · loan HK$38.47M · min. income ≈ HK$372,890/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,178
−HK$10,545/mo
▼ 0.25% · 3.875%
HK$200,413
−HK$5,310/mo
Today · 4.125%
HK$205,723
baseline
▲ 0.50% · 4.625%
HK$216,567
+HK$10,844/mo
Deposit HK$4.27M · loan HK$38.47M · min. income ≈ HK$411,446/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,637 · Scale 2, in force from 26 Feb 2026)