LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,353
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,350
−HK$3,045/mo
Today · 4.125%
HK$102,395
baseline
▲ 0.50% · 4.625%
HK$108,625
+HK$6,230/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$204,790/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,191
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$110,066
−HK$2,917/mo
Today · 4.125%
HK$112,983
baseline
▲ 0.50% · 4.625%
HK$118,938
+HK$5,955/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$225,966/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,623
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,220
−HK$3,654/mo
Today · 4.125%
HK$122,874
baseline
▲ 0.50% · 4.625%
HK$130,350
+HK$7,476/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$245,748/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,630
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,079
−HK$3,500/mo
Today · 4.125%
HK$135,579
baseline
▲ 0.50% · 4.625%
HK$142,726
+HK$7,147/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$271,158/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,894
−HK$8,459/mo
▼ 0.25% · 3.875%
HK$139,090
−HK$4,263/mo
Today · 4.125%
HK$143,353
baseline
▲ 0.50% · 4.625%
HK$152,075
+HK$8,722/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$286,706/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,068
−HK$8,108/mo
▼ 0.25% · 3.875%
HK$154,093
−HK$4,083/mo
Today · 4.125%
HK$158,176
baseline
▲ 0.50% · 4.625%
HK$166,513
+HK$8,337/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$316,352/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,435
−HK$10,876/mo
▼ 0.25% · 3.875%
HK$178,830
−HK$5,481/mo
Today · 4.125%
HK$184,311
baseline
▲ 0.50% · 4.625%
HK$195,525
+HK$11,214/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$368,622/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,944
−HK$10,425/mo
▼ 0.25% · 3.875%
HK$198,119
−HK$5,250/mo
Today · 4.125%
HK$203,369
baseline
▲ 0.50% · 4.625%
HK$214,088
+HK$10,719/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$406,738/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,845 · Scale 2, in force from 26 Feb 2026)