LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,494
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,527
−HK$3,081/mo
Today · 4.125%
HK$103,608
baseline
▲ 0.50% · 4.625%
HK$109,912
+HK$6,304/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$207,216/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,817,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,461
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,370
−HK$2,951/mo
Today · 4.125%
HK$114,321
baseline
▲ 0.50% · 4.625%
HK$120,347
+HK$6,026/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$228,642/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,817,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,993
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,632
−HK$3,697/mo
Today · 4.125%
HK$124,329
baseline
▲ 0.50% · 4.625%
HK$131,894
+HK$7,565/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,658/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,153
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$133,644
−HK$3,541/mo
Today · 4.125%
HK$137,185
baseline
▲ 0.50% · 4.625%
HK$144,416
+HK$7,231/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,370/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,492
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$140,737
−HK$4,314/mo
Today · 4.125%
HK$145,051
baseline
▲ 0.50% · 4.625%
HK$153,877
+HK$8,826/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$290,102/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,817,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,845
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$155,918
−HK$4,131/mo
Today · 4.125%
HK$160,049
baseline
▲ 0.50% · 4.625%
HK$168,486
+HK$8,437/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$320,098/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,817,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,489
−HK$11,005/mo
▼ 0.25% · 3.875%
HK$180,948
−HK$5,546/mo
Today · 4.125%
HK$186,494
baseline
▲ 0.50% · 4.625%
HK$197,842
+HK$11,348/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$372,988/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,230
−HK$10,548/mo
▼ 0.25% · 3.875%
HK$200,466
−HK$5,312/mo
Today · 4.125%
HK$205,778
baseline
▲ 0.50% · 4.625%
HK$216,624
+HK$10,846/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$411,556/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,118 · Scale 2, in force from 26 Feb 2026)