LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,398
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,396
−HK$3,047/mo
Today · 4.125%
HK$102,443
baseline
▲ 0.50% · 4.625%
HK$108,676
+HK$6,233/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,886/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,241
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,117
−HK$2,918/mo
Today · 4.125%
HK$113,035
baseline
▲ 0.50% · 4.625%
HK$118,993
+HK$5,958/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,070/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,677
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$119,275
−HK$3,656/mo
Today · 4.125%
HK$122,931
baseline
▲ 0.50% · 4.625%
HK$130,411
+HK$7,480/mo
Deposit HK$16.91M · loan HK$25.36M · min. income ≈ HK$245,862/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,690
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$132,141
−HK$3,501/mo
Today · 4.125%
HK$135,642
baseline
▲ 0.50% · 4.625%
HK$142,792
+HK$7,150/mo
Deposit HK$16.91M · loan HK$25.36M · min. income ≈ HK$271,284/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,957
−HK$8,463/mo
▼ 0.25% · 3.875%
HK$139,154
−HK$4,266/mo
Today · 4.125%
HK$143,420
baseline
▲ 0.50% · 4.625%
HK$152,146
+HK$8,726/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$286,840/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,138
−HK$8,111/mo
▼ 0.25% · 3.875%
HK$154,164
−HK$4,085/mo
Today · 4.125%
HK$158,249
baseline
▲ 0.50% · 4.625%
HK$166,591
+HK$8,342/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$316,498/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,516
−HK$10,881/mo
▼ 0.25% · 3.875%
HK$178,913
−HK$5,484/mo
Today · 4.125%
HK$184,397
baseline
▲ 0.50% · 4.625%
HK$195,617
+HK$11,220/mo
Deposit HK$4.23M · loan HK$38.05M · min. income ≈ HK$368,794/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,034
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$198,211
−HK$5,252/mo
Today · 4.125%
HK$203,463
baseline
▲ 0.50% · 4.625%
HK$214,188
+HK$10,725/mo
Deposit HK$4.23M · loan HK$38.05M · min. income ≈ HK$406,926/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,683 · Scale 2, in force from 26 Feb 2026)