LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,439
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,439
−HK$3,047/mo
Today · 4.125%
HK$102,486
baseline
▲ 0.50% · 4.625%
HK$108,723
+HK$6,237/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$204,972/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,287
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,165
−HK$2,919/mo
Today · 4.125%
HK$113,084
baseline
▲ 0.50% · 4.625%
HK$119,045
+HK$5,961/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$226,168/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,727
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$119,326
−HK$3,658/mo
Today · 4.125%
HK$122,984
baseline
▲ 0.50% · 4.625%
HK$130,467
+HK$7,483/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$245,968/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,745
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$132,198
−HK$3,502/mo
Today · 4.125%
HK$135,700
baseline
▲ 0.50% · 4.625%
HK$142,853
+HK$7,153/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$271,400/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,014
−HK$8,467/mo
▼ 0.25% · 3.875%
HK$139,214
−HK$4,267/mo
Today · 4.125%
HK$143,481
baseline
▲ 0.50% · 4.625%
HK$152,212
+HK$8,731/mo
Deposit HK$12.69M · loan HK$29.61M · min. income ≈ HK$286,962/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,202
−HK$8,115/mo
▼ 0.25% · 3.875%
HK$154,231
−HK$4,086/mo
Today · 4.125%
HK$158,317
baseline
▲ 0.50% · 4.625%
HK$166,662
+HK$8,345/mo
Deposit HK$12.69M · loan HK$29.61M · min. income ≈ HK$316,634/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,590
−HK$10,886/mo
▼ 0.25% · 3.875%
HK$178,990
−HK$5,486/mo
Today · 4.125%
HK$184,476
baseline
▲ 0.50% · 4.625%
HK$195,701
+HK$11,225/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$368,952/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,117
−HK$10,434/mo
▼ 0.25% · 3.875%
HK$198,296
−HK$5,255/mo
Today · 4.125%
HK$203,551
baseline
▲ 0.50% · 4.625%
HK$214,280
+HK$10,729/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$407,102/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,454 · Scale 2, in force from 26 Feb 2026)