LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,306
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$99,302
−HK$3,043/mo
Today · 4.125%
HK$102,345
baseline
▲ 0.50% · 4.625%
HK$108,573
+HK$6,228/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$204,690/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$1,794,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,140
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$110,013
−HK$2,915/mo
Today · 4.125%
HK$112,928
baseline
▲ 0.50% · 4.625%
HK$118,881
+HK$5,953/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$225,856/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$1,794,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,567
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,162
−HK$3,652/mo
Today · 4.125%
HK$122,814
baseline
▲ 0.50% · 4.625%
HK$130,287
+HK$7,473/mo
Deposit HK$16.89M · loan HK$25.34M · min. income ≈ HK$245,628/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,794,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,567
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,016
−HK$3,498/mo
Today · 4.125%
HK$135,514
baseline
▲ 0.50% · 4.625%
HK$142,657
+HK$7,143/mo
Deposit HK$16.89M · loan HK$25.34M · min. income ≈ HK$271,028/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,794,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,829
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$139,022
−HK$4,261/mo
Today · 4.125%
HK$143,283
baseline
▲ 0.50% · 4.625%
HK$152,002
+HK$8,719/mo
Deposit HK$12.67M · loan HK$29.56M · min. income ≈ HK$286,566/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,794,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,995
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$154,018
−HK$4,081/mo
Today · 4.125%
HK$158,099
baseline
▲ 0.50% · 4.625%
HK$166,433
+HK$8,334/mo
Deposit HK$12.67M · loan HK$29.56M · min. income ≈ HK$316,198/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,794,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,351
−HK$10,871/mo
▼ 0.25% · 3.875%
HK$178,743
−HK$5,479/mo
Today · 4.125%
HK$184,222
baseline
▲ 0.50% · 4.625%
HK$195,431
+HK$11,209/mo
Deposit HK$4.22M · loan HK$38.01M · min. income ≈ HK$368,444/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,794,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,851
−HK$10,419/mo
▼ 0.25% · 3.875%
HK$198,023
−HK$5,247/mo
Today · 4.125%
HK$203,270
baseline
▲ 0.50% · 4.625%
HK$213,985
+HK$10,715/mo
Deposit HK$4.22M · loan HK$38.01M · min. income ≈ HK$406,540/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,794,978 · Scale 2, in force from 26 Feb 2026)