LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,393
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,392
−HK$3,046/mo
Today · 4.125%
HK$102,438
baseline
▲ 0.50% · 4.625%
HK$108,671
+HK$6,233/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,876/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,237
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,113
−HK$2,917/mo
Today · 4.125%
HK$113,030
baseline
▲ 0.50% · 4.625%
HK$118,988
+HK$5,958/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,060/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,672
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$119,270
−HK$3,656/mo
Today · 4.125%
HK$122,926
baseline
▲ 0.50% · 4.625%
HK$130,405
+HK$7,479/mo
Deposit HK$16.91M · loan HK$25.36M · min. income ≈ HK$245,852/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,684
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$132,135
−HK$3,501/mo
Today · 4.125%
HK$135,636
baseline
▲ 0.50% · 4.625%
HK$142,786
+HK$7,150/mo
Deposit HK$16.91M · loan HK$25.36M · min. income ≈ HK$271,272/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,951
−HK$8,462/mo
▼ 0.25% · 3.875%
HK$139,148
−HK$4,265/mo
Today · 4.125%
HK$143,413
baseline
▲ 0.50% · 4.625%
HK$152,140
+HK$8,727/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$286,826/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,131
−HK$8,111/mo
▼ 0.25% · 3.875%
HK$154,158
−HK$4,084/mo
Today · 4.125%
HK$158,242
baseline
▲ 0.50% · 4.625%
HK$166,584
+HK$8,342/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$316,484/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,508
−HK$10,881/mo
▼ 0.25% · 3.875%
HK$178,905
−HK$5,484/mo
Today · 4.125%
HK$184,389
baseline
▲ 0.50% · 4.625%
HK$195,608
+HK$11,219/mo
Deposit HK$4.23M · loan HK$38.05M · min. income ≈ HK$368,778/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,026
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$198,203
−HK$5,252/mo
Today · 4.125%
HK$203,455
baseline
▲ 0.50% · 4.625%
HK$214,179
+HK$10,724/mo
Deposit HK$4.23M · loan HK$38.05M · min. income ≈ HK$406,910/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,605 · Scale 2, in force from 26 Feb 2026)