LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,598
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$99,603
−HK$3,052/mo
Today · 4.125%
HK$102,655
baseline
▲ 0.50% · 4.625%
HK$108,902
+HK$6,247/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$205,310/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,464
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,346
−HK$2,924/mo
Today · 4.125%
HK$113,270
baseline
▲ 0.50% · 4.625%
HK$119,241
+HK$5,971/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$226,540/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,918
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$119,523
−HK$3,664/mo
Today · 4.125%
HK$123,187
baseline
▲ 0.50% · 4.625%
HK$130,682
+HK$7,495/mo
Deposit HK$16.95M · loan HK$25.42M · min. income ≈ HK$246,374/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,800,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,957
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$132,416
−HK$3,508/mo
Today · 4.125%
HK$135,924
baseline
▲ 0.50% · 4.625%
HK$143,089
+HK$7,165/mo
Deposit HK$16.95M · loan HK$25.42M · min. income ≈ HK$271,848/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,800,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,237
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$139,444
−HK$4,274/mo
Today · 4.125%
HK$143,718
baseline
▲ 0.50% · 4.625%
HK$152,463
+HK$8,745/mo
Deposit HK$12.71M · loan HK$29.65M · min. income ≈ HK$287,436/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,450
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$154,485
−HK$4,093/mo
Today · 4.125%
HK$158,578
baseline
▲ 0.50% · 4.625%
HK$166,937
+HK$8,359/mo
Deposit HK$12.71M · loan HK$29.65M · min. income ≈ HK$317,156/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,876
−HK$10,904/mo
▼ 0.25% · 3.875%
HK$179,285
−HK$5,495/mo
Today · 4.125%
HK$184,780
baseline
▲ 0.50% · 4.625%
HK$196,023
+HK$11,243/mo
Deposit HK$4.24M · loan HK$38.13M · min. income ≈ HK$369,560/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,436
−HK$10,450/mo
▼ 0.25% · 3.875%
HK$198,623
−HK$5,263/mo
Today · 4.125%
HK$203,886
baseline
▲ 0.50% · 4.625%
HK$214,633
+HK$10,747/mo
Deposit HK$4.24M · loan HK$38.13M · min. income ≈ HK$407,772/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,417 · Scale 2, in force from 26 Feb 2026)