LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,699
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,738
−HK$3,087/mo
Today · 4.125%
HK$103,825
baseline
▲ 0.50% · 4.625%
HK$110,143
+HK$6,318/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,650/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,689
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,604
−HK$2,957/mo
Today · 4.125%
HK$114,561
baseline
▲ 0.50% · 4.625%
HK$120,600
+HK$6,039/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,122/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,238
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$120,885
−HK$3,705/mo
Today · 4.125%
HK$124,590
baseline
▲ 0.50% · 4.625%
HK$132,171
+HK$7,581/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$249,180/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,427
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$133,925
−HK$3,548/mo
Today · 4.125%
HK$137,473
baseline
▲ 0.50% · 4.625%
HK$144,720
+HK$7,247/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$274,946/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,778
−HK$8,577/mo
▼ 0.25% · 3.875%
HK$141,033
−HK$4,322/mo
Today · 4.125%
HK$145,355
baseline
▲ 0.50% · 4.625%
HK$154,200
+HK$8,845/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$290,710/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,164
−HK$8,221/mo
▼ 0.25% · 3.875%
HK$156,245
−HK$4,140/mo
Today · 4.125%
HK$160,385
baseline
▲ 0.50% · 4.625%
HK$168,839
+HK$8,454/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$320,770/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,858
−HK$11,028/mo
▼ 0.25% · 3.875%
HK$181,328
−HK$5,558/mo
Today · 4.125%
HK$186,886
baseline
▲ 0.50% · 4.625%
HK$198,257
+HK$11,371/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$373,772/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,820,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,640
−HK$10,570/mo
▼ 0.25% · 3.875%
HK$200,887
−HK$5,323/mo
Today · 4.125%
HK$206,210
baseline
▲ 0.50% · 4.625%
HK$217,079
+HK$10,869/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$412,420/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,820,934 · Scale 2, in force from 26 Feb 2026)