LTV · monthly repayment
▼ 0.50% · 3.625%
HK$95,820
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$98,800
−HK$3,028/mo
Today · 4.125%
HK$101,828
baseline
▲ 0.50% · 4.625%
HK$108,024
+HK$6,196/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$203,656/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,785,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,598
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$109,457
−HK$2,901/mo
Today · 4.125%
HK$112,358
baseline
▲ 0.50% · 4.625%
HK$118,280
+HK$5,922/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$224,716/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,785,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,984
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$118,560
−HK$3,634/mo
Today · 4.125%
HK$122,194
baseline
▲ 0.50% · 4.625%
HK$129,629
+HK$7,435/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$244,388/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,918
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$131,349
−HK$3,480/mo
Today · 4.125%
HK$134,829
baseline
▲ 0.50% · 4.625%
HK$141,936
+HK$7,107/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$269,658/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,147
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,320
−HK$4,240/mo
Today · 4.125%
HK$142,560
baseline
▲ 0.50% · 4.625%
HK$151,234
+HK$8,674/mo
Deposit HK$12.61M · loan HK$29.41M · min. income ≈ HK$285,120/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,238
−HK$8,063/mo
▼ 0.25% · 3.875%
HK$153,240
−HK$4,061/mo
Today · 4.125%
HK$157,301
baseline
▲ 0.50% · 4.625%
HK$165,592
+HK$8,291/mo
Deposit HK$12.61M · loan HK$29.41M · min. income ≈ HK$314,602/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,475
−HK$10,816/mo
▼ 0.25% · 3.875%
HK$177,840
−HK$5,451/mo
Today · 4.125%
HK$183,291
baseline
▲ 0.50% · 4.625%
HK$194,444
+HK$11,153/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$366,582/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,877
−HK$10,367/mo
▼ 0.25% · 3.875%
HK$197,023
−HK$5,221/mo
Today · 4.125%
HK$202,244
baseline
▲ 0.50% · 4.625%
HK$212,904
+HK$10,660/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$404,488/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,911 · Scale 2, in force from 26 Feb 2026)