LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,531
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,565
−HK$3,082/mo
Today · 4.125%
HK$103,647
baseline
▲ 0.50% · 4.625%
HK$109,954
+HK$6,307/mo
Deposit HK$21.39M · loan HK$21.39M · min. income ≈ HK$207,294/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$1,817,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,502
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,412
−HK$2,952/mo
Today · 4.125%
HK$114,364
baseline
▲ 0.50% · 4.625%
HK$120,393
+HK$6,029/mo
Deposit HK$21.39M · loan HK$21.39M · min. income ≈ HK$228,728/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$1,817,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,037
−HK$7,339/mo
▼ 0.25% · 3.875%
HK$120,678
−HK$3,698/mo
Today · 4.125%
HK$124,376
baseline
▲ 0.50% · 4.625%
HK$131,945
+HK$7,569/mo
Deposit HK$17.11M · loan HK$25.66M · min. income ≈ HK$248,752/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,817,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,203
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,695
−HK$3,542/mo
Today · 4.125%
HK$137,237
baseline
▲ 0.50% · 4.625%
HK$144,471
+HK$7,234/mo
Deposit HK$17.11M · loan HK$25.66M · min. income ≈ HK$274,474/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,817,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,543
−HK$8,563/mo
▼ 0.25% · 3.875%
HK$140,791
−HK$4,315/mo
Today · 4.125%
HK$145,106
baseline
▲ 0.50% · 4.625%
HK$153,935
+HK$8,829/mo
Deposit HK$12.83M · loan HK$29.94M · min. income ≈ HK$290,212/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,817,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,903
−HK$8,207/mo
▼ 0.25% · 3.875%
HK$155,977
−HK$4,133/mo
Today · 4.125%
HK$160,110
baseline
▲ 0.50% · 4.625%
HK$168,550
+HK$8,440/mo
Deposit HK$12.83M · loan HK$29.94M · min. income ≈ HK$320,220/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,817,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,556
−HK$11,009/mo
▼ 0.25% · 3.875%
HK$181,017
−HK$5,548/mo
Today · 4.125%
HK$186,565
baseline
▲ 0.50% · 4.625%
HK$197,917
+HK$11,352/mo
Deposit HK$4.28M · loan HK$38.49M · min. income ≈ HK$373,130/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,817,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,304
−HK$10,552/mo
▼ 0.25% · 3.875%
HK$200,542
−HK$5,314/mo
Today · 4.125%
HK$205,856
baseline
▲ 0.50% · 4.625%
HK$216,707
+HK$10,851/mo
Deposit HK$4.28M · loan HK$38.49M · min. income ≈ HK$411,712/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,817,808 · Scale 2, in force from 26 Feb 2026)