LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,656
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,693
−HK$3,087/mo
Today · 4.125%
HK$103,780
baseline
▲ 0.50% · 4.625%
HK$110,094
+HK$6,314/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$207,560/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,820,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,641
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,555
−HK$2,956/mo
Today · 4.125%
HK$114,511
baseline
▲ 0.50% · 4.625%
HK$120,547
+HK$6,036/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$229,022/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,820,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,187
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$120,832
−HK$3,704/mo
Today · 4.125%
HK$124,536
baseline
▲ 0.50% · 4.625%
HK$132,113
+HK$7,577/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$249,072/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,820,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,369
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,866
−HK$3,547/mo
Today · 4.125%
HK$137,413
baseline
▲ 0.50% · 4.625%
HK$144,656
+HK$7,243/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$274,826/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,820,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,718
−HK$8,573/mo
▼ 0.25% · 3.875%
HK$140,971
−HK$4,320/mo
Today · 4.125%
HK$145,291
baseline
▲ 0.50% · 4.625%
HK$154,132
+HK$8,841/mo
Deposit HK$12.85M · loan HK$29.98M · min. income ≈ HK$290,582/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,097
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$156,177
−HK$4,138/mo
Today · 4.125%
HK$160,315
baseline
▲ 0.50% · 4.625%
HK$168,765
+HK$8,450/mo
Deposit HK$12.85M · loan HK$29.98M · min. income ≈ HK$320,630/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,780
−HK$11,023/mo
▼ 0.25% · 3.875%
HK$181,248
−HK$5,555/mo
Today · 4.125%
HK$186,803
baseline
▲ 0.50% · 4.625%
HK$198,170
+HK$11,367/mo
Deposit HK$4.28M · loan HK$38.54M · min. income ≈ HK$373,606/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,554
−HK$10,565/mo
▼ 0.25% · 3.875%
HK$200,798
−HK$5,321/mo
Today · 4.125%
HK$206,119
baseline
▲ 0.50% · 4.625%
HK$216,984
+HK$10,865/mo
Deposit HK$4.28M · loan HK$38.54M · min. income ≈ HK$412,238/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,133 · Scale 2, in force from 26 Feb 2026)