LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,126
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$99,116
−HK$3,038/mo
Today · 4.125%
HK$102,154
baseline
▲ 0.50% · 4.625%
HK$108,370
+HK$6,216/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$204,308/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$1,791,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,939
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,807
−HK$2,910/mo
Today · 4.125%
HK$112,717
baseline
▲ 0.50% · 4.625%
HK$118,658
+HK$5,941/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$225,434/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$1,791,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,351
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$118,939
−HK$3,646/mo
Today · 4.125%
HK$122,585
baseline
▲ 0.50% · 4.625%
HK$130,044
+HK$7,459/mo
Deposit HK$16.86M · loan HK$25.29M · min. income ≈ HK$245,170/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,791,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,327
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$131,769
−HK$3,491/mo
Today · 4.125%
HK$135,260
baseline
▲ 0.50% · 4.625%
HK$142,390
+HK$7,130/mo
Deposit HK$16.86M · loan HK$25.29M · min. income ≈ HK$270,520/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,791,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,576
−HK$8,439/mo
▼ 0.25% · 3.875%
HK$138,762
−HK$4,253/mo
Today · 4.125%
HK$143,015
baseline
▲ 0.50% · 4.625%
HK$151,718
+HK$8,703/mo
Deposit HK$12.65M · loan HK$29.51M · min. income ≈ HK$286,030/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,791,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,715
−HK$8,088/mo
▼ 0.25% · 3.875%
HK$153,730
−HK$4,073/mo
Today · 4.125%
HK$157,803
baseline
▲ 0.50% · 4.625%
HK$166,121
+HK$8,318/mo
Deposit HK$12.65M · loan HK$29.51M · min. income ≈ HK$315,606/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,791,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,027
−HK$10,850/mo
▼ 0.25% · 3.875%
HK$178,409
−HK$5,468/mo
Today · 4.125%
HK$183,877
baseline
▲ 0.50% · 4.625%
HK$195,065
+HK$11,188/mo
Deposit HK$4.22M · loan HK$37.94M · min. income ≈ HK$367,754/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,791,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,490
−HK$10,400/mo
▼ 0.25% · 3.875%
HK$197,653
−HK$5,237/mo
Today · 4.125%
HK$202,890
baseline
▲ 0.50% · 4.625%
HK$213,585
+HK$10,695/mo
Deposit HK$4.22M · loan HK$37.94M · min. income ≈ HK$405,780/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,791,620 · Scale 2, in force from 26 Feb 2026)