LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,347
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,344
−HK$3,045/mo
Today · 4.125%
HK$102,389
baseline
▲ 0.50% · 4.625%
HK$108,619
+HK$6,230/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$204,778/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,185
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,060
−HK$2,916/mo
Today · 4.125%
HK$112,976
baseline
▲ 0.50% · 4.625%
HK$118,931
+HK$5,955/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$225,952/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,617
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$119,213
−HK$3,654/mo
Today · 4.125%
HK$122,867
baseline
▲ 0.50% · 4.625%
HK$130,343
+HK$7,476/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$245,734/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,622
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,072
−HK$3,499/mo
Today · 4.125%
HK$135,571
baseline
▲ 0.50% · 4.625%
HK$142,717
+HK$7,146/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$271,142/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,886
−HK$8,458/mo
▼ 0.25% · 3.875%
HK$139,082
−HK$4,262/mo
Today · 4.125%
HK$143,344
baseline
▲ 0.50% · 4.625%
HK$152,067
+HK$8,723/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$286,688/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,059
−HK$8,107/mo
▼ 0.25% · 3.875%
HK$154,084
−HK$4,082/mo
Today · 4.125%
HK$158,166
baseline
▲ 0.50% · 4.625%
HK$166,504
+HK$8,338/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$316,332/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,425
−HK$10,875/mo
▼ 0.25% · 3.875%
HK$178,819
−HK$5,481/mo
Today · 4.125%
HK$184,300
baseline
▲ 0.50% · 4.625%
HK$195,514
+HK$11,214/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$368,600/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,933
−HK$10,424/mo
▼ 0.25% · 3.875%
HK$198,108
−HK$5,249/mo
Today · 4.125%
HK$203,357
baseline
▲ 0.50% · 4.625%
HK$214,076
+HK$10,719/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$406,714/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,742 · Scale 2, in force from 26 Feb 2026)