LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,495
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,528
−HK$3,081/mo
Today · 4.125%
HK$103,609
baseline
▲ 0.50% · 4.625%
HK$109,913
+HK$6,304/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$207,218/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$1,817,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,462
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,371
−HK$2,951/mo
Today · 4.125%
HK$114,322
baseline
▲ 0.50% · 4.625%
HK$120,348
+HK$6,026/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$228,644/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$1,817,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,994
−HK$7,337/mo
▼ 0.25% · 3.875%
HK$120,633
−HK$3,698/mo
Today · 4.125%
HK$124,331
baseline
▲ 0.50% · 4.625%
HK$131,896
+HK$7,565/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,662/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,155
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$133,645
−HK$3,542/mo
Today · 4.125%
HK$137,187
baseline
▲ 0.50% · 4.625%
HK$144,418
+HK$7,231/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,374/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,493
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$140,739
−HK$4,313/mo
Today · 4.125%
HK$145,052
baseline
▲ 0.50% · 4.625%
HK$153,879
+HK$8,827/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$290,104/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,817,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,847
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$155,920
−HK$4,131/mo
Today · 4.125%
HK$160,051
baseline
▲ 0.50% · 4.625%
HK$168,488
+HK$8,437/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$320,102/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,817,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,491
−HK$11,005/mo
▼ 0.25% · 3.875%
HK$180,950
−HK$5,546/mo
Today · 4.125%
HK$186,496
baseline
▲ 0.50% · 4.625%
HK$197,844
+HK$11,348/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$372,992/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,232
−HK$10,548/mo
▼ 0.25% · 3.875%
HK$200,468
−HK$5,312/mo
Today · 4.125%
HK$205,780
baseline
▲ 0.50% · 4.625%
HK$216,627
+HK$10,847/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$411,560/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,139 · Scale 2, in force from 26 Feb 2026)