LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,483
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,515
−HK$3,081/mo
Today · 4.125%
HK$103,596
baseline
▲ 0.50% · 4.625%
HK$109,899
+HK$6,303/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$207,192/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,448
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,357
−HK$2,950/mo
Today · 4.125%
HK$114,307
baseline
▲ 0.50% · 4.625%
HK$120,333
+HK$6,026/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$228,614/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,979
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,618
−HK$3,697/mo
Today · 4.125%
HK$124,315
baseline
▲ 0.50% · 4.625%
HK$131,879
+HK$7,564/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,630/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,816,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,138
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$133,628
−HK$3,541/mo
Today · 4.125%
HK$137,169
baseline
▲ 0.50% · 4.625%
HK$144,399
+HK$7,230/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,338/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,816,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,476
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$140,721
−HK$4,313/mo
Today · 4.125%
HK$145,034
baseline
▲ 0.50% · 4.625%
HK$153,859
+HK$8,825/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$290,068/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,828
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$155,900
−HK$4,130/mo
Today · 4.125%
HK$160,030
baseline
▲ 0.50% · 4.625%
HK$168,466
+HK$8,436/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$320,060/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,469
−HK$11,003/mo
▼ 0.25% · 3.875%
HK$180,927
−HK$5,545/mo
Today · 4.125%
HK$186,472
baseline
▲ 0.50% · 4.625%
HK$197,818
+HK$11,346/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$372,944/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,207
−HK$10,546/mo
▼ 0.25% · 3.875%
HK$200,442
−HK$5,311/mo
Today · 4.125%
HK$205,753
baseline
▲ 0.50% · 4.625%
HK$216,599
+HK$10,846/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$411,506/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,904 · Scale 2, in force from 26 Feb 2026)