LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,632
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,669
−HK$3,085/mo
Today · 4.125%
HK$103,754
baseline
▲ 0.50% · 4.625%
HK$110,067
+HK$6,313/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$207,508/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,819,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,614
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,527
−HK$2,956/mo
Today · 4.125%
HK$114,483
baseline
▲ 0.50% · 4.625%
HK$120,517
+HK$6,034/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$228,966/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,819,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,158
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,802
−HK$3,703/mo
Today · 4.125%
HK$124,505
baseline
▲ 0.50% · 4.625%
HK$132,081
+HK$7,576/mo
Deposit HK$17.13M · loan HK$25.69M · min. income ≈ HK$249,010/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,819,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,337
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$133,833
−HK$3,546/mo
Today · 4.125%
HK$137,379
baseline
▲ 0.50% · 4.625%
HK$144,620
+HK$7,241/mo
Deposit HK$17.13M · loan HK$25.69M · min. income ≈ HK$274,758/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,819,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,685
−HK$8,571/mo
▼ 0.25% · 3.875%
HK$140,936
−HK$4,320/mo
Today · 4.125%
HK$145,256
baseline
▲ 0.50% · 4.625%
HK$154,094
+HK$8,838/mo
Deposit HK$12.84M · loan HK$29.97M · min. income ≈ HK$290,512/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,819,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,060
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$156,138
−HK$4,138/mo
Today · 4.125%
HK$160,276
baseline
▲ 0.50% · 4.625%
HK$168,724
+HK$8,448/mo
Deposit HK$12.84M · loan HK$29.97M · min. income ≈ HK$320,552/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,819,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,737
−HK$11,021/mo
▼ 0.25% · 3.875%
HK$181,204
−HK$5,554/mo
Today · 4.125%
HK$186,758
baseline
▲ 0.50% · 4.625%
HK$198,121
+HK$11,363/mo
Deposit HK$4.28M · loan HK$38.53M · min. income ≈ HK$373,516/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,506
−HK$10,563/mo
▼ 0.25% · 3.875%
HK$200,749
−HK$5,320/mo
Today · 4.125%
HK$206,069
baseline
▲ 0.50% · 4.625%
HK$216,931
+HK$10,862/mo
Deposit HK$4.28M · loan HK$38.53M · min. income ≈ HK$412,138/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,687 · Scale 2, in force from 26 Feb 2026)