LTV · monthly repayment
▼ 0.50% · 3.625%
HK$95,825
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$98,806
−HK$3,028/mo
Today · 4.125%
HK$101,834
baseline
▲ 0.50% · 4.625%
HK$108,031
+HK$6,197/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$203,668/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,604
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$109,464
−HK$2,900/mo
Today · 4.125%
HK$112,364
baseline
▲ 0.50% · 4.625%
HK$118,287
+HK$5,923/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$224,728/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,990
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,567
−HK$3,634/mo
Today · 4.125%
HK$122,201
baseline
▲ 0.50% · 4.625%
HK$129,637
+HK$7,436/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$244,402/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,925
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$131,356
−HK$3,481/mo
Today · 4.125%
HK$134,837
baseline
▲ 0.50% · 4.625%
HK$141,944
+HK$7,107/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$269,674/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,155
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,328
−HK$4,240/mo
Today · 4.125%
HK$142,568
baseline
▲ 0.50% · 4.625%
HK$151,243
+HK$8,675/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$285,136/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,786,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,246
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$153,249
−HK$4,061/mo
Today · 4.125%
HK$157,310
baseline
▲ 0.50% · 4.625%
HK$165,602
+HK$8,292/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$314,620/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,786,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,485
−HK$10,817/mo
▼ 0.25% · 3.875%
HK$177,850
−HK$5,452/mo
Today · 4.125%
HK$183,302
baseline
▲ 0.50% · 4.625%
HK$194,455
+HK$11,153/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$366,604/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,888
−HK$10,367/mo
▼ 0.25% · 3.875%
HK$197,034
−HK$5,221/mo
Today · 4.125%
HK$202,255
baseline
▲ 0.50% · 4.625%
HK$212,916
+HK$10,661/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$404,510/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,013 · Scale 2, in force from 26 Feb 2026)