LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,604
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,609
−HK$3,053/mo
Today · 4.125%
HK$102,662
baseline
▲ 0.50% · 4.625%
HK$108,909
+HK$6,247/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$205,324/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,471
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,353
−HK$2,924/mo
Today · 4.125%
HK$113,277
baseline
▲ 0.50% · 4.625%
HK$119,248
+HK$5,971/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$226,554/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,925
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$119,531
−HK$3,663/mo
Today · 4.125%
HK$123,194
baseline
▲ 0.50% · 4.625%
HK$130,690
+HK$7,496/mo
Deposit HK$16.95M · loan HK$25.42M · min. income ≈ HK$246,388/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,800,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,965
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$132,424
−HK$3,509/mo
Today · 4.125%
HK$135,933
baseline
▲ 0.50% · 4.625%
HK$143,098
+HK$7,165/mo
Deposit HK$16.95M · loan HK$25.42M · min. income ≈ HK$271,866/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,800,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,246
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$139,453
−HK$4,274/mo
Today · 4.125%
HK$143,727
baseline
▲ 0.50% · 4.625%
HK$152,472
+HK$8,745/mo
Deposit HK$12.71M · loan HK$29.66M · min. income ≈ HK$287,454/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,459
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$154,495
−HK$4,093/mo
Today · 4.125%
HK$158,588
baseline
▲ 0.50% · 4.625%
HK$166,948
+HK$8,360/mo
Deposit HK$12.71M · loan HK$29.66M · min. income ≈ HK$317,176/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,887
−HK$10,905/mo
▼ 0.25% · 3.875%
HK$179,296
−HK$5,496/mo
Today · 4.125%
HK$184,792
baseline
▲ 0.50% · 4.625%
HK$196,036
+HK$11,244/mo
Deposit HK$4.24M · loan HK$38.13M · min. income ≈ HK$369,584/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,448
−HK$10,451/mo
▼ 0.25% · 3.875%
HK$198,636
−HK$5,263/mo
Today · 4.125%
HK$203,899
baseline
▲ 0.50% · 4.625%
HK$214,647
+HK$10,748/mo
Deposit HK$4.24M · loan HK$38.13M · min. income ≈ HK$407,798/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,532 · Scale 2, in force from 26 Feb 2026)