LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,330
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,326
−HK$3,044/mo
Today · 4.125%
HK$102,370
baseline
▲ 0.50% · 4.625%
HK$108,599
+HK$6,229/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$204,740/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,166
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,040
−HK$2,916/mo
Today · 4.125%
HK$112,956
baseline
▲ 0.50% · 4.625%
HK$118,910
+HK$5,954/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$225,912/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,596
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,191
−HK$3,653/mo
Today · 4.125%
HK$122,844
baseline
▲ 0.50% · 4.625%
HK$130,319
+HK$7,475/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$245,688/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,795,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,599
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$132,048
−HK$3,499/mo
Today · 4.125%
HK$135,547
baseline
▲ 0.50% · 4.625%
HK$142,692
+HK$7,145/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$271,094/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,795,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,861
−HK$8,457/mo
▼ 0.25% · 3.875%
HK$139,056
−HK$4,262/mo
Today · 4.125%
HK$143,318
baseline
▲ 0.50% · 4.625%
HK$152,039
+HK$8,721/mo
Deposit HK$12.67M · loan HK$29.57M · min. income ≈ HK$286,636/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,032
−HK$8,106/mo
▼ 0.25% · 3.875%
HK$154,056
−HK$4,082/mo
Today · 4.125%
HK$158,138
baseline
▲ 0.50% · 4.625%
HK$166,473
+HK$8,335/mo
Deposit HK$12.67M · loan HK$29.57M · min. income ≈ HK$316,276/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,393
−HK$10,874/mo
▼ 0.25% · 3.875%
HK$178,787
−HK$5,480/mo
Today · 4.125%
HK$184,267
baseline
▲ 0.50% · 4.625%
HK$195,479
+HK$11,212/mo
Deposit HK$4.22M · loan HK$38.02M · min. income ≈ HK$368,534/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,898
−HK$10,422/mo
▼ 0.25% · 3.875%
HK$198,072
−HK$5,248/mo
Today · 4.125%
HK$203,320
baseline
▲ 0.50% · 4.625%
HK$214,037
+HK$10,717/mo
Deposit HK$4.22M · loan HK$38.02M · min. income ≈ HK$406,640/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,416 · Scale 2, in force from 26 Feb 2026)