LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,359
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,356
−HK$3,045/mo
Today · 4.125%
HK$102,401
baseline
▲ 0.50% · 4.625%
HK$108,632
+HK$6,231/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$204,802/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,198
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$110,073
−HK$2,917/mo
Today · 4.125%
HK$112,990
baseline
▲ 0.50% · 4.625%
HK$118,945
+HK$5,955/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$225,980/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,630
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,227
−HK$3,654/mo
Today · 4.125%
HK$122,881
baseline
▲ 0.50% · 4.625%
HK$130,358
+HK$7,477/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$245,762/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,638
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,088
−HK$3,500/mo
Today · 4.125%
HK$135,588
baseline
▲ 0.50% · 4.625%
HK$142,735
+HK$7,147/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$271,176/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,902
−HK$8,460/mo
▼ 0.25% · 3.875%
HK$139,098
−HK$4,264/mo
Today · 4.125%
HK$143,362
baseline
▲ 0.50% · 4.625%
HK$152,085
+HK$8,723/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$286,724/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,077
−HK$8,108/mo
▼ 0.25% · 3.875%
HK$154,102
−HK$4,083/mo
Today · 4.125%
HK$158,185
baseline
▲ 0.50% · 4.625%
HK$166,524
+HK$8,339/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$316,370/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,446
−HK$10,876/mo
▼ 0.25% · 3.875%
HK$178,841
−HK$5,481/mo
Today · 4.125%
HK$184,322
baseline
▲ 0.50% · 4.625%
HK$195,538
+HK$11,216/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$368,644/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,956
−HK$10,425/mo
▼ 0.25% · 3.875%
HK$198,131
−HK$5,250/mo
Today · 4.125%
HK$203,381
baseline
▲ 0.50% · 4.625%
HK$214,102
+HK$10,721/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$406,762/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,957 · Scale 2, in force from 26 Feb 2026)