LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,358
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,355
−HK$3,045/mo
Today · 4.125%
HK$102,400
baseline
▲ 0.50% · 4.625%
HK$108,631
+HK$6,231/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$204,800/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,197
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,072
−HK$2,916/mo
Today · 4.125%
HK$112,988
baseline
▲ 0.50% · 4.625%
HK$118,944
+HK$5,956/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$225,976/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,629
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,226
−HK$3,654/mo
Today · 4.125%
HK$122,880
baseline
▲ 0.50% · 4.625%
HK$130,357
+HK$7,477/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$245,760/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,636
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,086
−HK$3,500/mo
Today · 4.125%
HK$135,586
baseline
▲ 0.50% · 4.625%
HK$142,733
+HK$7,147/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$271,172/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,901
−HK$8,459/mo
▼ 0.25% · 3.875%
HK$139,097
−HK$4,263/mo
Today · 4.125%
HK$143,360
baseline
▲ 0.50% · 4.625%
HK$152,083
+HK$8,723/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$286,720/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,076
−HK$8,108/mo
▼ 0.25% · 3.875%
HK$154,101
−HK$4,083/mo
Today · 4.125%
HK$158,184
baseline
▲ 0.50% · 4.625%
HK$166,522
+HK$8,338/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$316,368/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,444
−HK$10,876/mo
▼ 0.25% · 3.875%
HK$178,839
−HK$5,481/mo
Today · 4.125%
HK$184,320
baseline
▲ 0.50% · 4.625%
HK$195,536
+HK$11,216/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$368,640/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,954
−HK$10,425/mo
▼ 0.25% · 3.875%
HK$198,129
−HK$5,250/mo
Today · 4.125%
HK$203,379
baseline
▲ 0.50% · 4.625%
HK$214,100
+HK$10,721/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$406,758/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,938 · Scale 2, in force from 26 Feb 2026)