LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,346
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,343
−HK$3,045/mo
Today · 4.125%
HK$102,388
baseline
▲ 0.50% · 4.625%
HK$108,618
+HK$6,230/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$204,776/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,184
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,059
−HK$2,916/mo
Today · 4.125%
HK$112,975
baseline
▲ 0.50% · 4.625%
HK$118,930
+HK$5,955/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$225,950/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,615
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$119,212
−HK$3,653/mo
Today · 4.125%
HK$122,865
baseline
▲ 0.50% · 4.625%
HK$130,341
+HK$7,476/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$245,730/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,621
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,070
−HK$3,500/mo
Today · 4.125%
HK$135,570
baseline
▲ 0.50% · 4.625%
HK$142,716
+HK$7,146/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$271,140/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,884
−HK$8,459/mo
▼ 0.25% · 3.875%
HK$139,080
−HK$4,263/mo
Today · 4.125%
HK$143,343
baseline
▲ 0.50% · 4.625%
HK$152,065
+HK$8,722/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$286,686/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,058
−HK$8,107/mo
▼ 0.25% · 3.875%
HK$154,082
−HK$4,083/mo
Today · 4.125%
HK$158,165
baseline
▲ 0.50% · 4.625%
HK$166,502
+HK$8,337/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$316,330/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,423
−HK$10,875/mo
▼ 0.25% · 3.875%
HK$178,817
−HK$5,481/mo
Today · 4.125%
HK$184,298
baseline
▲ 0.50% · 4.625%
HK$195,512
+HK$11,214/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$368,596/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,931
−HK$10,424/mo
▼ 0.25% · 3.875%
HK$198,105
−HK$5,250/mo
Today · 4.125%
HK$203,355
baseline
▲ 0.50% · 4.625%
HK$214,074
+HK$10,719/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$406,710/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,722 · Scale 2, in force from 26 Feb 2026)