LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,658
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,696
−HK$3,087/mo
Today · 4.125%
HK$103,783
baseline
▲ 0.50% · 4.625%
HK$110,097
+HK$6,314/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$207,566/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,820,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,644
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,558
−HK$2,956/mo
Today · 4.125%
HK$114,514
baseline
▲ 0.50% · 4.625%
HK$120,550
+HK$6,036/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$229,028/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,820,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,190
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$120,835
−HK$3,704/mo
Today · 4.125%
HK$124,539
baseline
▲ 0.50% · 4.625%
HK$132,117
+HK$7,578/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$249,078/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,820,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,373
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,869
−HK$3,548/mo
Today · 4.125%
HK$137,417
baseline
▲ 0.50% · 4.625%
HK$144,660
+HK$7,243/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$274,834/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,820,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,722
−HK$8,574/mo
▼ 0.25% · 3.875%
HK$140,975
−HK$4,321/mo
Today · 4.125%
HK$145,296
baseline
▲ 0.50% · 4.625%
HK$154,136
+HK$8,840/mo
Deposit HK$12.85M · loan HK$29.98M · min. income ≈ HK$290,592/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,102
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$156,181
−HK$4,138/mo
Today · 4.125%
HK$160,319
baseline
▲ 0.50% · 4.625%
HK$168,770
+HK$8,451/mo
Deposit HK$12.85M · loan HK$29.98M · min. income ≈ HK$320,638/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,785
−HK$11,024/mo
▼ 0.25% · 3.875%
HK$181,253
−HK$5,556/mo
Today · 4.125%
HK$186,809
baseline
▲ 0.50% · 4.625%
HK$198,175
+HK$11,366/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$373,618/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,559
−HK$10,566/mo
▼ 0.25% · 3.875%
HK$200,804
−HK$5,321/mo
Today · 4.125%
HK$206,125
baseline
▲ 0.50% · 4.625%
HK$216,990
+HK$10,865/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$412,250/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,184 · Scale 2, in force from 26 Feb 2026)