LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,600
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,605
−HK$3,053/mo
Today · 4.125%
HK$102,658
baseline
▲ 0.50% · 4.625%
HK$108,904
+HK$6,246/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$205,316/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,467
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,349
−HK$2,924/mo
Today · 4.125%
HK$113,273
baseline
▲ 0.50% · 4.625%
HK$119,243
+HK$5,970/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$226,546/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,920
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$119,526
−HK$3,663/mo
Today · 4.125%
HK$123,189
baseline
▲ 0.50% · 4.625%
HK$130,685
+HK$7,496/mo
Deposit HK$16.95M · loan HK$25.42M · min. income ≈ HK$246,378/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,800,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,960
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$132,418
−HK$3,509/mo
Today · 4.125%
HK$135,927
baseline
▲ 0.50% · 4.625%
HK$143,092
+HK$7,165/mo
Deposit HK$16.95M · loan HK$25.42M · min. income ≈ HK$271,854/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,800,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,240
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$139,447
−HK$4,274/mo
Today · 4.125%
HK$143,721
baseline
▲ 0.50% · 4.625%
HK$152,466
+HK$8,745/mo
Deposit HK$12.71M · loan HK$29.65M · min. income ≈ HK$287,442/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,453
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$154,488
−HK$4,094/mo
Today · 4.125%
HK$158,582
baseline
▲ 0.50% · 4.625%
HK$166,941
+HK$8,359/mo
Deposit HK$12.71M · loan HK$29.65M · min. income ≈ HK$317,164/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,880
−HK$10,904/mo
▼ 0.25% · 3.875%
HK$179,289
−HK$5,495/mo
Today · 4.125%
HK$184,784
baseline
▲ 0.50% · 4.625%
HK$196,027
+HK$11,243/mo
Deposit HK$4.24M · loan HK$38.13M · min. income ≈ HK$369,568/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,440
−HK$10,451/mo
▼ 0.25% · 3.875%
HK$198,628
−HK$5,263/mo
Today · 4.125%
HK$203,891
baseline
▲ 0.50% · 4.625%
HK$214,638
+HK$10,747/mo
Deposit HK$4.24M · loan HK$38.13M · min. income ≈ HK$407,782/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,455 · Scale 2, in force from 26 Feb 2026)