LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,506
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$99,507
−HK$3,050/mo
Today · 4.125%
HK$102,557
baseline
▲ 0.50% · 4.625%
HK$108,798
+HK$6,241/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$205,114/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,361
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,241
−HK$2,921/mo
Today · 4.125%
HK$113,162
baseline
▲ 0.50% · 4.625%
HK$119,127
+HK$5,965/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$226,324/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,807
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$119,409
−HK$3,660/mo
Today · 4.125%
HK$123,069
baseline
▲ 0.50% · 4.625%
HK$130,557
+HK$7,488/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$246,138/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,798,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,834
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,289
−HK$3,505/mo
Today · 4.125%
HK$135,794
baseline
▲ 0.50% · 4.625%
HK$142,952
+HK$7,158/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$271,588/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,798,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,108
−HK$8,472/mo
▼ 0.25% · 3.875%
HK$139,310
−HK$4,270/mo
Today · 4.125%
HK$143,580
baseline
▲ 0.50% · 4.625%
HK$152,317
+HK$8,737/mo
Deposit HK$12.70M · loan HK$29.63M · min. income ≈ HK$287,160/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,798,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,306
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$154,337
−HK$4,090/mo
Today · 4.125%
HK$158,427
baseline
▲ 0.50% · 4.625%
HK$166,777
+HK$8,350/mo
Deposit HK$12.70M · loan HK$29.63M · min. income ≈ HK$316,854/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,798,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,710
−HK$10,893/mo
▼ 0.25% · 3.875%
HK$179,113
−HK$5,490/mo
Today · 4.125%
HK$184,603
baseline
▲ 0.50% · 4.625%
HK$195,836
+HK$11,233/mo
Deposit HK$4.23M · loan HK$38.09M · min. income ≈ HK$369,206/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,251
−HK$10,440/mo
▼ 0.25% · 3.875%
HK$198,433
−HK$5,258/mo
Today · 4.125%
HK$203,691
baseline
▲ 0.50% · 4.625%
HK$214,428
+HK$10,737/mo
Deposit HK$4.23M · loan HK$38.09M · min. income ≈ HK$407,382/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,695 · Scale 2, in force from 26 Feb 2026)