LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,400
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,399
−HK$3,046/mo
Today · 4.125%
HK$102,445
baseline
▲ 0.50% · 4.625%
HK$108,679
+HK$6,234/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,890/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,244
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,121
−HK$2,917/mo
Today · 4.125%
HK$113,038
baseline
▲ 0.50% · 4.625%
HK$118,997
+HK$5,959/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,076/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,680
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$119,279
−HK$3,656/mo
Today · 4.125%
HK$122,935
baseline
▲ 0.50% · 4.625%
HK$130,415
+HK$7,480/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$245,870/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,693
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$132,145
−HK$3,501/mo
Today · 4.125%
HK$135,646
baseline
▲ 0.50% · 4.625%
HK$142,796
+HK$7,150/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$271,292/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,960
−HK$8,464/mo
▼ 0.25% · 3.875%
HK$139,159
−HK$4,265/mo
Today · 4.125%
HK$143,424
baseline
▲ 0.50% · 4.625%
HK$152,151
+HK$8,727/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$286,848/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,142
−HK$8,112/mo
▼ 0.25% · 3.875%
HK$154,169
−HK$4,085/mo
Today · 4.125%
HK$158,254
baseline
▲ 0.50% · 4.625%
HK$166,596
+HK$8,342/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$316,508/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,521
−HK$10,881/mo
▼ 0.25% · 3.875%
HK$178,918
−HK$5,484/mo
Today · 4.125%
HK$184,402
baseline
▲ 0.50% · 4.625%
HK$195,622
+HK$11,220/mo
Deposit HK$4.23M · loan HK$38.05M · min. income ≈ HK$368,804/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,040
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$198,217
−HK$5,252/mo
Today · 4.125%
HK$203,469
baseline
▲ 0.50% · 4.625%
HK$214,194
+HK$10,725/mo
Deposit HK$4.23M · loan HK$38.05M · min. income ≈ HK$406,938/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,734 · Scale 2, in force from 26 Feb 2026)