LTV · monthly repayment
▼ 0.50% · 3.625%
HK$95,864
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,846
−HK$3,030/mo
Today · 4.125%
HK$101,876
baseline
▲ 0.50% · 4.625%
HK$108,074
+HK$6,198/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$203,752/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,786,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,648
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,508
−HK$2,902/mo
Today · 4.125%
HK$112,410
baseline
▲ 0.50% · 4.625%
HK$118,335
+HK$5,925/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$224,820/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,786,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,037
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$118,615
−HK$3,636/mo
Today · 4.125%
HK$122,251
baseline
▲ 0.50% · 4.625%
HK$129,689
+HK$7,438/mo
Deposit HK$16.82M · loan HK$25.22M · min. income ≈ HK$244,502/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,977
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$131,410
−HK$3,482/mo
Today · 4.125%
HK$134,892
baseline
▲ 0.50% · 4.625%
HK$142,002
+HK$7,110/mo
Deposit HK$16.82M · loan HK$25.22M · min. income ≈ HK$269,784/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,210
−HK$8,416/mo
▼ 0.25% · 3.875%
HK$138,384
−HK$4,242/mo
Today · 4.125%
HK$142,626
baseline
▲ 0.50% · 4.625%
HK$151,304
+HK$8,678/mo
Deposit HK$12.61M · loan HK$29.43M · min. income ≈ HK$285,252/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,307
−HK$8,066/mo
▼ 0.25% · 3.875%
HK$153,311
−HK$4,062/mo
Today · 4.125%
HK$157,373
baseline
▲ 0.50% · 4.625%
HK$165,669
+HK$8,296/mo
Deposit HK$12.61M · loan HK$29.43M · min. income ≈ HK$314,746/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,555
−HK$10,821/mo
▼ 0.25% · 3.875%
HK$177,923
−HK$5,453/mo
Today · 4.125%
HK$183,376
baseline
▲ 0.50% · 4.625%
HK$194,534
+HK$11,158/mo
Deposit HK$4.20M · loan HK$37.84M · min. income ≈ HK$366,752/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,966
−HK$10,371/mo
▼ 0.25% · 3.875%
HK$197,114
−HK$5,223/mo
Today · 4.125%
HK$202,337
baseline
▲ 0.50% · 4.625%
HK$213,003
+HK$10,666/mo
Deposit HK$4.20M · loan HK$37.84M · min. income ≈ HK$404,674/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,739 · Scale 2, in force from 26 Feb 2026)