LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,479
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,511
−HK$3,080/mo
Today · 4.125%
HK$103,591
baseline
▲ 0.50% · 4.625%
HK$109,895
+HK$6,304/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$207,182/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,444
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,352
−HK$2,951/mo
Today · 4.125%
HK$114,303
baseline
▲ 0.50% · 4.625%
HK$120,328
+HK$6,025/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$228,606/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,974
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,613
−HK$3,697/mo
Today · 4.125%
HK$124,310
baseline
▲ 0.50% · 4.625%
HK$131,873
+HK$7,563/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,620/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,816,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,133
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$133,623
−HK$3,540/mo
Today · 4.125%
HK$137,163
baseline
▲ 0.50% · 4.625%
HK$144,393
+HK$7,230/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,326/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,816,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,470
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$140,715
−HK$4,313/mo
Today · 4.125%
HK$145,028
baseline
▲ 0.50% · 4.625%
HK$153,852
+HK$8,824/mo
Deposit HK$12.82M · loan HK$29.92M · min. income ≈ HK$290,056/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,821
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$155,893
−HK$4,131/mo
Today · 4.125%
HK$160,024
baseline
▲ 0.50% · 4.625%
HK$168,459
+HK$8,435/mo
Deposit HK$12.82M · loan HK$29.92M · min. income ≈ HK$320,048/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,461
−HK$11,003/mo
▼ 0.25% · 3.875%
HK$180,919
−HK$5,545/mo
Today · 4.125%
HK$186,464
baseline
▲ 0.50% · 4.625%
HK$197,810
+HK$11,346/mo
Deposit HK$4.27M · loan HK$38.47M · min. income ≈ HK$372,928/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,199
−HK$10,546/mo
▼ 0.25% · 3.875%
HK$200,434
−HK$5,311/mo
Today · 4.125%
HK$205,745
baseline
▲ 0.50% · 4.625%
HK$216,590
+HK$10,845/mo
Deposit HK$4.27M · loan HK$38.47M · min. income ≈ HK$411,490/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,830 · Scale 2, in force from 26 Feb 2026)