LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,422
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,421
−HK$3,048/mo
Today · 4.125%
HK$102,469
baseline
▲ 0.50% · 4.625%
HK$108,704
+HK$6,235/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,938/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,269
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,145
−HK$2,919/mo
Today · 4.125%
HK$113,064
baseline
▲ 0.50% · 4.625%
HK$119,024
+HK$5,960/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,128/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,706
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,306
−HK$3,656/mo
Today · 4.125%
HK$122,962
baseline
▲ 0.50% · 4.625%
HK$130,444
+HK$7,482/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$245,924/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,722
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$132,175
−HK$3,502/mo
Today · 4.125%
HK$135,677
baseline
▲ 0.50% · 4.625%
HK$142,828
+HK$7,151/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$271,354/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,991
−HK$8,465/mo
▼ 0.25% · 3.875%
HK$139,190
−HK$4,266/mo
Today · 4.125%
HK$143,456
baseline
▲ 0.50% · 4.625%
HK$152,185
+HK$8,729/mo
Deposit HK$12.69M · loan HK$29.60M · min. income ≈ HK$286,912/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,797,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,176
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$154,204
−HK$4,086/mo
Today · 4.125%
HK$158,290
baseline
▲ 0.50% · 4.625%
HK$166,633
+HK$8,343/mo
Deposit HK$12.69M · loan HK$29.60M · min. income ≈ HK$316,580/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,797,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,560
−HK$10,883/mo
▼ 0.25% · 3.875%
HK$178,958
−HK$5,485/mo
Today · 4.125%
HK$184,443
baseline
▲ 0.50% · 4.625%
HK$195,666
+HK$11,223/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$368,886/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,083
−HK$10,432/mo
▼ 0.25% · 3.875%
HK$198,262
−HK$5,253/mo
Today · 4.125%
HK$203,515
baseline
▲ 0.50% · 4.625%
HK$214,243
+HK$10,728/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$407,030/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,139 · Scale 2, in force from 26 Feb 2026)