LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,464
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,465
−HK$3,048/mo
Today · 4.125%
HK$102,513
baseline
▲ 0.50% · 4.625%
HK$108,751
+HK$6,238/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$205,026/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$1,797,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,316
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$110,194
−HK$2,920/mo
Today · 4.125%
HK$113,114
baseline
▲ 0.50% · 4.625%
HK$119,076
+HK$5,962/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$226,228/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$1,797,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,757
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,358
−HK$3,658/mo
Today · 4.125%
HK$123,016
baseline
▲ 0.50% · 4.625%
HK$130,501
+HK$7,485/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$246,032/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,797,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,779
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,232
−HK$3,504/mo
Today · 4.125%
HK$135,736
baseline
▲ 0.50% · 4.625%
HK$142,891
+HK$7,155/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$271,472/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,797,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,050
−HK$8,469/mo
▼ 0.25% · 3.875%
HK$139,251
−HK$4,268/mo
Today · 4.125%
HK$143,519
baseline
▲ 0.50% · 4.625%
HK$152,252
+HK$8,733/mo
Deposit HK$12.69M · loan HK$29.61M · min. income ≈ HK$287,038/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,242
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$154,271
−HK$4,088/mo
Today · 4.125%
HK$158,359
baseline
▲ 0.50% · 4.625%
HK$166,706
+HK$8,347/mo
Deposit HK$12.69M · loan HK$29.61M · min. income ≈ HK$316,718/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,636
−HK$10,888/mo
▼ 0.25% · 3.875%
HK$179,037
−HK$5,487/mo
Today · 4.125%
HK$184,524
baseline
▲ 0.50% · 4.625%
HK$195,752
+HK$11,228/mo
Deposit HK$4.23M · loan HK$38.07M · min. income ≈ HK$369,048/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,168
−HK$10,436/mo
▼ 0.25% · 3.875%
HK$198,349
−HK$5,255/mo
Today · 4.125%
HK$203,604
baseline
▲ 0.50% · 4.625%
HK$214,337
+HK$10,733/mo
Deposit HK$4.23M · loan HK$38.07M · min. income ≈ HK$407,208/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,927 · Scale 2, in force from 26 Feb 2026)