LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,626
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,663
−HK$3,085/mo
Today · 4.125%
HK$103,748
baseline
▲ 0.50% · 4.625%
HK$110,061
+HK$6,313/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$207,496/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,819,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,608
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,521
−HK$2,955/mo
Today · 4.125%
HK$114,476
baseline
▲ 0.50% · 4.625%
HK$120,510
+HK$6,034/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$228,952/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,819,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,151
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,795
−HK$3,703/mo
Today · 4.125%
HK$124,498
baseline
▲ 0.50% · 4.625%
HK$132,073
+HK$7,575/mo
Deposit HK$17.13M · loan HK$25.69M · min. income ≈ HK$248,996/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,819,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,330
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$133,825
−HK$3,546/mo
Today · 4.125%
HK$137,371
baseline
▲ 0.50% · 4.625%
HK$144,612
+HK$7,241/mo
Deposit HK$17.13M · loan HK$25.69M · min. income ≈ HK$274,742/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,819,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,677
−HK$8,570/mo
▼ 0.25% · 3.875%
HK$140,928
−HK$4,319/mo
Today · 4.125%
HK$145,247
baseline
▲ 0.50% · 4.625%
HK$154,085
+HK$8,838/mo
Deposit HK$12.84M · loan HK$29.97M · min. income ≈ HK$290,494/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,819,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,051
−HK$8,215/mo
▼ 0.25% · 3.875%
HK$156,129
−HK$4,137/mo
Today · 4.125%
HK$160,266
baseline
▲ 0.50% · 4.625%
HK$168,714
+HK$8,448/mo
Deposit HK$12.84M · loan HK$29.97M · min. income ≈ HK$320,532/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,819,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,727
−HK$11,020/mo
▼ 0.25% · 3.875%
HK$181,193
−HK$5,554/mo
Today · 4.125%
HK$186,747
baseline
▲ 0.50% · 4.625%
HK$198,110
+HK$11,363/mo
Deposit HK$4.28M · loan HK$38.53M · min. income ≈ HK$373,494/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,495
−HK$10,561/mo
▼ 0.25% · 3.875%
HK$200,738
−HK$5,318/mo
Today · 4.125%
HK$206,056
baseline
▲ 0.50% · 4.625%
HK$216,918
+HK$10,862/mo
Deposit HK$4.28M · loan HK$38.53M · min. income ≈ HK$412,112/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,581 · Scale 2, in force from 26 Feb 2026)