LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,667
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,705
−HK$3,087/mo
Today · 4.125%
HK$103,792
baseline
▲ 0.50% · 4.625%
HK$110,107
+HK$6,315/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,584/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,654
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,568
−HK$2,956/mo
Today · 4.125%
HK$114,524
baseline
▲ 0.50% · 4.625%
HK$120,561
+HK$6,037/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,048/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,200
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$120,846
−HK$3,704/mo
Today · 4.125%
HK$124,550
baseline
▲ 0.50% · 4.625%
HK$132,129
+HK$7,579/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$249,100/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,820,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,384
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$133,881
−HK$3,548/mo
Today · 4.125%
HK$137,429
baseline
▲ 0.50% · 4.625%
HK$144,673
+HK$7,244/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$274,858/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,820,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,734
−HK$8,574/mo
▼ 0.25% · 3.875%
HK$140,987
−HK$4,321/mo
Today · 4.125%
HK$145,308
baseline
▲ 0.50% · 4.625%
HK$154,150
+HK$8,842/mo
Deposit HK$12.85M · loan HK$29.98M · min. income ≈ HK$290,616/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,115
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$156,195
−HK$4,138/mo
Today · 4.125%
HK$160,333
baseline
▲ 0.50% · 4.625%
HK$168,785
+HK$8,452/mo
Deposit HK$12.85M · loan HK$29.98M · min. income ≈ HK$320,666/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,801
−HK$11,024/mo
▼ 0.25% · 3.875%
HK$181,269
−HK$5,556/mo
Today · 4.125%
HK$186,825
baseline
▲ 0.50% · 4.625%
HK$198,193
+HK$11,368/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$373,650/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,577
−HK$10,566/mo
▼ 0.25% · 3.875%
HK$200,822
−HK$5,321/mo
Today · 4.125%
HK$206,143
baseline
▲ 0.50% · 4.625%
HK$217,009
+HK$10,866/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$412,286/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,344 · Scale 2, in force from 26 Feb 2026)