LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,525
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,558
−HK$3,082/mo
Today · 4.125%
HK$103,640
baseline
▲ 0.50% · 4.625%
HK$109,947
+HK$6,307/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$207,280/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$1,817,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,495
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,405
−HK$2,952/mo
Today · 4.125%
HK$114,357
baseline
▲ 0.50% · 4.625%
HK$120,385
+HK$6,028/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$228,714/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$1,817,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,030
−HK$7,339/mo
▼ 0.25% · 3.875%
HK$120,670
−HK$3,699/mo
Today · 4.125%
HK$124,369
baseline
▲ 0.50% · 4.625%
HK$131,936
+HK$7,567/mo
Deposit HK$17.11M · loan HK$25.66M · min. income ≈ HK$248,738/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,817,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,194
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,686
−HK$3,542/mo
Today · 4.125%
HK$137,228
baseline
▲ 0.50% · 4.625%
HK$144,462
+HK$7,234/mo
Deposit HK$17.11M · loan HK$25.66M · min. income ≈ HK$274,456/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,817,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,535
−HK$8,562/mo
▼ 0.25% · 3.875%
HK$140,782
−HK$4,315/mo
Today · 4.125%
HK$145,097
baseline
▲ 0.50% · 4.625%
HK$153,925
+HK$8,828/mo
Deposit HK$12.83M · loan HK$29.94M · min. income ≈ HK$290,194/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,817,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,893
−HK$8,207/mo
▼ 0.25% · 3.875%
HK$155,967
−HK$4,133/mo
Today · 4.125%
HK$160,100
baseline
▲ 0.50% · 4.625%
HK$168,539
+HK$8,439/mo
Deposit HK$12.83M · loan HK$29.94M · min. income ≈ HK$320,200/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,817,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,545
−HK$11,008/mo
▼ 0.25% · 3.875%
HK$181,005
−HK$5,548/mo
Today · 4.125%
HK$186,553
baseline
▲ 0.50% · 4.625%
HK$197,904
+HK$11,351/mo
Deposit HK$4.28M · loan HK$38.49M · min. income ≈ HK$373,106/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,292
−HK$10,551/mo
▼ 0.25% · 3.875%
HK$200,529
−HK$5,314/mo
Today · 4.125%
HK$205,843
baseline
▲ 0.50% · 4.625%
HK$216,693
+HK$10,850/mo
Deposit HK$4.28M · loan HK$38.49M · min. income ≈ HK$411,686/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,692 · Scale 2, in force from 26 Feb 2026)