LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,500
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,502
−HK$3,050/mo
Today · 4.125%
HK$102,552
baseline
▲ 0.50% · 4.625%
HK$108,792
+HK$6,240/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$205,104/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,356
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,235
−HK$2,921/mo
Today · 4.125%
HK$113,156
baseline
▲ 0.50% · 4.625%
HK$119,120
+HK$5,964/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$226,312/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,800
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$119,402
−HK$3,660/mo
Today · 4.125%
HK$123,062
baseline
▲ 0.50% · 4.625%
HK$130,550
+HK$7,488/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$246,124/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,798,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,827
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,282
−HK$3,505/mo
Today · 4.125%
HK$135,787
baseline
▲ 0.50% · 4.625%
HK$142,944
+HK$7,157/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$271,574/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,798,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,100
−HK$8,472/mo
▼ 0.25% · 3.875%
HK$139,303
−HK$4,269/mo
Today · 4.125%
HK$143,572
baseline
▲ 0.50% · 4.625%
HK$152,308
+HK$8,736/mo
Deposit HK$12.70M · loan HK$29.62M · min. income ≈ HK$287,144/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,798,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,298
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$154,329
−HK$4,089/mo
Today · 4.125%
HK$158,418
baseline
▲ 0.50% · 4.625%
HK$166,768
+HK$8,350/mo
Deposit HK$12.70M · loan HK$29.62M · min. income ≈ HK$316,836/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,798,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,701
−HK$10,892/mo
▼ 0.25% · 3.875%
HK$179,104
−HK$5,489/mo
Today · 4.125%
HK$184,593
baseline
▲ 0.50% · 4.625%
HK$195,825
+HK$11,232/mo
Deposit HK$4.23M · loan HK$38.09M · min. income ≈ HK$369,186/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,240
−HK$10,440/mo
▼ 0.25% · 3.875%
HK$198,423
−HK$5,257/mo
Today · 4.125%
HK$203,680
baseline
▲ 0.50% · 4.625%
HK$214,417
+HK$10,737/mo
Deposit HK$4.23M · loan HK$38.09M · min. income ≈ HK$407,360/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,598 · Scale 2, in force from 26 Feb 2026)