LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,345
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,342
−HK$3,045/mo
Today · 4.125%
HK$102,387
baseline
▲ 0.50% · 4.625%
HK$108,617
+HK$6,230/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$204,774/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,183
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,057
−HK$2,916/mo
Today · 4.125%
HK$112,973
baseline
▲ 0.50% · 4.625%
HK$118,928
+HK$5,955/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$225,946/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,614
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$119,210
−HK$3,654/mo
Today · 4.125%
HK$122,864
baseline
▲ 0.50% · 4.625%
HK$130,340
+HK$7,476/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$245,728/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,619
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,069
−HK$3,499/mo
Today · 4.125%
HK$135,568
baseline
▲ 0.50% · 4.625%
HK$142,714
+HK$7,146/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$271,136/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,883
−HK$8,458/mo
▼ 0.25% · 3.875%
HK$139,078
−HK$4,263/mo
Today · 4.125%
HK$143,341
baseline
▲ 0.50% · 4.625%
HK$152,063
+HK$8,722/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$286,682/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,056
−HK$8,107/mo
▼ 0.25% · 3.875%
HK$154,080
−HK$4,083/mo
Today · 4.125%
HK$158,163
baseline
▲ 0.50% · 4.625%
HK$166,500
+HK$8,337/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$316,326/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,421
−HK$10,875/mo
▼ 0.25% · 3.875%
HK$178,815
−HK$5,481/mo
Today · 4.125%
HK$184,296
baseline
▲ 0.50% · 4.625%
HK$195,510
+HK$11,214/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$368,592/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,929
−HK$10,423/mo
▼ 0.25% · 3.875%
HK$198,103
−HK$5,249/mo
Today · 4.125%
HK$203,352
baseline
▲ 0.50% · 4.625%
HK$214,071
+HK$10,719/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$406,704/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,701 · Scale 2, in force from 26 Feb 2026)