LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,394
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,392
−HK$3,047/mo
Today · 4.125%
HK$102,439
baseline
▲ 0.50% · 4.625%
HK$108,672
+HK$6,233/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,878/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,237
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,113
−HK$2,918/mo
Today · 4.125%
HK$113,031
baseline
▲ 0.50% · 4.625%
HK$118,989
+HK$5,958/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,062/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,673
−HK$7,253/mo
▼ 0.25% · 3.875%
HK$119,271
−HK$3,655/mo
Today · 4.125%
HK$122,926
baseline
▲ 0.50% · 4.625%
HK$130,406
+HK$7,480/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$1,796,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,685
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$132,136
−HK$3,501/mo
Today · 4.125%
HK$135,637
baseline
▲ 0.50% · 4.625%
HK$142,787
+HK$7,150/mo
Deposit HK$16.91M · loan HK$25.36M · min. income ≈ HK$271,274/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,951
−HK$8,463/mo
▼ 0.25% · 3.875%
HK$139,149
−HK$4,265/mo
Today · 4.125%
HK$143,414
baseline
▲ 0.50% · 4.625%
HK$152,140
+HK$8,726/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$286,828/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,132
−HK$8,111/mo
▼ 0.25% · 3.875%
HK$154,158
−HK$4,085/mo
Today · 4.125%
HK$158,243
baseline
▲ 0.50% · 4.625%
HK$166,584
+HK$8,341/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$316,486/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,509
−HK$10,880/mo
▼ 0.25% · 3.875%
HK$178,906
−HK$5,483/mo
Today · 4.125%
HK$184,389
baseline
▲ 0.50% · 4.625%
HK$195,609
+HK$11,220/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$1,796,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,027
−HK$10,428/mo
▼ 0.25% · 3.875%
HK$198,204
−HK$5,251/mo
Today · 4.125%
HK$203,455
baseline
▲ 0.50% · 4.625%
HK$214,180
+HK$10,725/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$1,796,613 · Scale 2, in force from 26 Feb 2026)