LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,378
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,376
−HK$3,046/mo
Today · 4.125%
HK$102,422
baseline
▲ 0.50% · 4.625%
HK$108,654
+HK$6,232/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$204,844/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,220
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$110,095
−HK$2,917/mo
Today · 4.125%
HK$113,012
baseline
▲ 0.50% · 4.625%
HK$118,970
+HK$5,958/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$226,024/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,654
−HK$7,252/mo
▼ 0.25% · 3.875%
HK$119,251
−HK$3,655/mo
Today · 4.125%
HK$122,906
baseline
▲ 0.50% · 4.625%
HK$130,385
+HK$7,479/mo
Deposit HK$16.91M · loan HK$25.36M · min. income ≈ HK$245,812/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,796,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,664
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$132,114
−HK$3,501/mo
Today · 4.125%
HK$135,615
baseline
▲ 0.50% · 4.625%
HK$142,763
+HK$7,148/mo
Deposit HK$16.91M · loan HK$25.36M · min. income ≈ HK$271,230/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,796,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,929
−HK$8,462/mo
▼ 0.25% · 3.875%
HK$139,126
−HK$4,265/mo
Today · 4.125%
HK$143,391
baseline
▲ 0.50% · 4.625%
HK$152,116
+HK$8,725/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$286,782/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,108
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$154,133
−HK$4,084/mo
Today · 4.125%
HK$158,217
baseline
▲ 0.50% · 4.625%
HK$166,557
+HK$8,340/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$316,434/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,481
−HK$10,878/mo
▼ 0.25% · 3.875%
HK$178,877
−HK$5,482/mo
Today · 4.125%
HK$184,359
baseline
▲ 0.50% · 4.625%
HK$195,577
+HK$11,218/mo
Deposit HK$4.23M · loan HK$38.04M · min. income ≈ HK$368,718/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,996
−HK$10,426/mo
▼ 0.25% · 3.875%
HK$198,172
−HK$5,250/mo
Today · 4.125%
HK$203,422
baseline
▲ 0.50% · 4.625%
HK$214,145
+HK$10,723/mo
Deposit HK$4.23M · loan HK$38.04M · min. income ≈ HK$406,844/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,321 · Scale 2, in force from 26 Feb 2026)