LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,519
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,553
−HK$3,082/mo
Today · 4.125%
HK$103,635
baseline
▲ 0.50% · 4.625%
HK$109,940
+HK$6,305/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$207,270/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$1,817,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,489
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,399
−HK$2,951/mo
Today · 4.125%
HK$114,350
baseline
▲ 0.50% · 4.625%
HK$120,378
+HK$6,028/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$228,700/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$1,817,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,023
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$120,663
−HK$3,698/mo
Today · 4.125%
HK$124,361
baseline
▲ 0.50% · 4.625%
HK$131,929
+HK$7,568/mo
Deposit HK$17.11M · loan HK$25.66M · min. income ≈ HK$248,722/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,187
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,678
−HK$3,543/mo
Today · 4.125%
HK$137,221
baseline
▲ 0.50% · 4.625%
HK$144,454
+HK$7,233/mo
Deposit HK$17.11M · loan HK$25.66M · min. income ≈ HK$274,442/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,527
−HK$8,561/mo
▼ 0.25% · 3.875%
HK$140,774
−HK$4,314/mo
Today · 4.125%
HK$145,088
baseline
▲ 0.50% · 4.625%
HK$153,917
+HK$8,829/mo
Deposit HK$12.83M · loan HK$29.94M · min. income ≈ HK$290,176/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,817,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,885
−HK$8,206/mo
▼ 0.25% · 3.875%
HK$155,958
−HK$4,133/mo
Today · 4.125%
HK$160,091
baseline
▲ 0.50% · 4.625%
HK$168,529
+HK$8,438/mo
Deposit HK$12.83M · loan HK$29.94M · min. income ≈ HK$320,182/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,817,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,535
−HK$11,007/mo
▼ 0.25% · 3.875%
HK$180,995
−HK$5,547/mo
Today · 4.125%
HK$186,542
baseline
▲ 0.50% · 4.625%
HK$197,893
+HK$11,351/mo
Deposit HK$4.28M · loan HK$38.49M · min. income ≈ HK$373,084/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,280
−HK$10,551/mo
▼ 0.25% · 3.875%
HK$200,518
−HK$5,313/mo
Today · 4.125%
HK$205,831
baseline
▲ 0.50% · 4.625%
HK$216,680
+HK$10,849/mo
Deposit HK$4.28M · loan HK$38.49M · min. income ≈ HK$411,662/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,588 · Scale 2, in force from 26 Feb 2026)