LTV · monthly repayment
▼ 0.50% · 3.625%
HK$95,865
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,847
−HK$3,030/mo
Today · 4.125%
HK$101,877
baseline
▲ 0.50% · 4.625%
HK$108,076
+HK$6,199/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$203,754/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,786,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,649
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,510
−HK$2,901/mo
Today · 4.125%
HK$112,411
baseline
▲ 0.50% · 4.625%
HK$118,337
+HK$5,926/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$224,822/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,786,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,039
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$118,617
−HK$3,635/mo
Today · 4.125%
HK$122,252
baseline
▲ 0.50% · 4.625%
HK$129,691
+HK$7,439/mo
Deposit HK$16.82M · loan HK$25.22M · min. income ≈ HK$244,504/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,979
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$131,412
−HK$3,482/mo
Today · 4.125%
HK$134,894
baseline
▲ 0.50% · 4.625%
HK$142,004
+HK$7,110/mo
Deposit HK$16.82M · loan HK$25.22M · min. income ≈ HK$269,788/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,212
−HK$8,416/mo
▼ 0.25% · 3.875%
HK$138,386
−HK$4,242/mo
Today · 4.125%
HK$142,628
baseline
▲ 0.50% · 4.625%
HK$151,306
+HK$8,678/mo
Deposit HK$12.61M · loan HK$29.43M · min. income ≈ HK$285,256/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,309
−HK$8,067/mo
▼ 0.25% · 3.875%
HK$153,313
−HK$4,063/mo
Today · 4.125%
HK$157,376
baseline
▲ 0.50% · 4.625%
HK$165,671
+HK$8,295/mo
Deposit HK$12.61M · loan HK$29.43M · min. income ≈ HK$314,752/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,558
−HK$10,821/mo
▼ 0.25% · 3.875%
HK$177,925
−HK$5,454/mo
Today · 4.125%
HK$183,379
baseline
▲ 0.50% · 4.625%
HK$194,537
+HK$11,158/mo
Deposit HK$4.20M · loan HK$37.84M · min. income ≈ HK$366,758/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,969
−HK$10,371/mo
▼ 0.25% · 3.875%
HK$197,117
−HK$5,223/mo
Today · 4.125%
HK$202,340
baseline
▲ 0.50% · 4.625%
HK$213,006
+HK$10,666/mo
Deposit HK$4.20M · loan HK$37.84M · min. income ≈ HK$404,680/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,765 · Scale 2, in force from 26 Feb 2026)