LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,484
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,516
−HK$3,081/mo
Today · 4.125%
HK$103,597
baseline
▲ 0.50% · 4.625%
HK$109,901
+HK$6,304/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$207,194/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,450
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,359
−HK$2,950/mo
Today · 4.125%
HK$114,309
baseline
▲ 0.50% · 4.625%
HK$120,335
+HK$6,026/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$228,618/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,981
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,620
−HK$3,697/mo
Today · 4.125%
HK$124,317
baseline
▲ 0.50% · 4.625%
HK$131,881
+HK$7,564/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,634/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,816,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,140
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$133,630
−HK$3,541/mo
Today · 4.125%
HK$137,171
baseline
▲ 0.50% · 4.625%
HK$144,402
+HK$7,231/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,342/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,816,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,478
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$140,723
−HK$4,313/mo
Today · 4.125%
HK$145,036
baseline
▲ 0.50% · 4.625%
HK$153,861
+HK$8,825/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$290,072/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,830
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$155,902
−HK$4,131/mo
Today · 4.125%
HK$160,033
baseline
▲ 0.50% · 4.625%
HK$168,468
+HK$8,435/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$320,066/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,471
−HK$11,004/mo
▼ 0.25% · 3.875%
HK$180,929
−HK$5,546/mo
Today · 4.125%
HK$186,475
baseline
▲ 0.50% · 4.625%
HK$197,821
+HK$11,346/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$372,950/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,210
−HK$10,547/mo
▼ 0.25% · 3.875%
HK$200,445
−HK$5,312/mo
Today · 4.125%
HK$205,757
baseline
▲ 0.50% · 4.625%
HK$216,602
+HK$10,845/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$411,514/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,932 · Scale 2, in force from 26 Feb 2026)