LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,334
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,330
−HK$3,045/mo
Today · 4.125%
HK$102,375
baseline
▲ 0.50% · 4.625%
HK$108,604
+HK$6,229/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$204,750/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,170
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,045
−HK$2,915/mo
Today · 4.125%
HK$112,960
baseline
▲ 0.50% · 4.625%
HK$118,915
+HK$5,955/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$225,920/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,600
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$119,196
−HK$3,654/mo
Today · 4.125%
HK$122,850
baseline
▲ 0.50% · 4.625%
HK$130,325
+HK$7,475/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$245,700/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,795,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,604
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$132,053
−HK$3,499/mo
Today · 4.125%
HK$135,552
baseline
▲ 0.50% · 4.625%
HK$142,698
+HK$7,146/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$271,104/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,795,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,867
−HK$8,458/mo
▼ 0.25% · 3.875%
HK$139,062
−HK$4,263/mo
Today · 4.125%
HK$143,325
baseline
▲ 0.50% · 4.625%
HK$152,045
+HK$8,720/mo
Deposit HK$12.67M · loan HK$29.57M · min. income ≈ HK$286,650/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,038
−HK$8,106/mo
▼ 0.25% · 3.875%
HK$154,062
−HK$4,082/mo
Today · 4.125%
HK$158,144
baseline
▲ 0.50% · 4.625%
HK$166,480
+HK$8,336/mo
Deposit HK$12.67M · loan HK$29.57M · min. income ≈ HK$316,288/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,401
−HK$10,873/mo
▼ 0.25% · 3.875%
HK$178,794
−HK$5,480/mo
Today · 4.125%
HK$184,274
baseline
▲ 0.50% · 4.625%
HK$195,487
+HK$11,213/mo
Deposit HK$4.22M · loan HK$38.02M · min. income ≈ HK$368,548/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,906
−HK$10,423/mo
▼ 0.25% · 3.875%
HK$198,080
−HK$5,249/mo
Today · 4.125%
HK$203,329
baseline
▲ 0.50% · 4.625%
HK$214,046
+HK$10,717/mo
Deposit HK$4.22M · loan HK$38.02M · min. income ≈ HK$406,658/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,492 · Scale 2, in force from 26 Feb 2026)