LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,504
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,537
−HK$3,082/mo
Today · 4.125%
HK$103,619
baseline
▲ 0.50% · 4.625%
HK$109,924
+HK$6,305/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$207,238/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$1,817,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,473
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,382
−HK$2,951/mo
Today · 4.125%
HK$114,333
baseline
▲ 0.50% · 4.625%
HK$120,360
+HK$6,027/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$228,666/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$1,817,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,005
−HK$7,337/mo
▼ 0.25% · 3.875%
HK$120,645
−HK$3,697/mo
Today · 4.125%
HK$124,342
baseline
▲ 0.50% · 4.625%
HK$131,908
+HK$7,566/mo
Deposit HK$17.10M · loan HK$25.66M · min. income ≈ HK$248,684/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,167
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$133,658
−HK$3,542/mo
Today · 4.125%
HK$137,200
baseline
▲ 0.50% · 4.625%
HK$144,432
+HK$7,232/mo
Deposit HK$17.10M · loan HK$25.66M · min. income ≈ HK$274,400/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,506
−HK$8,560/mo
▼ 0.25% · 3.875%
HK$140,752
−HK$4,314/mo
Today · 4.125%
HK$145,066
baseline
▲ 0.50% · 4.625%
HK$153,893
+HK$8,827/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$290,132/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,817,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,862
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$155,934
−HK$4,132/mo
Today · 4.125%
HK$160,066
baseline
▲ 0.50% · 4.625%
HK$168,504
+HK$8,438/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$320,132/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,817,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,508
−HK$11,006/mo
▼ 0.25% · 3.875%
HK$180,967
−HK$5,547/mo
Today · 4.125%
HK$186,514
baseline
▲ 0.50% · 4.625%
HK$197,863
+HK$11,349/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$373,028/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,251
−HK$10,548/mo
▼ 0.25% · 3.875%
HK$200,487
−HK$5,312/mo
Today · 4.125%
HK$205,799
baseline
▲ 0.50% · 4.625%
HK$216,647
+HK$10,848/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$411,598/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,311 · Scale 2, in force from 26 Feb 2026)