LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,611
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,616
−HK$3,054/mo
Today · 4.125%
HK$102,670
baseline
▲ 0.50% · 4.625%
HK$108,917
+HK$6,247/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$205,340/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,479
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,362
−HK$2,924/mo
Today · 4.125%
HK$113,286
baseline
▲ 0.50% · 4.625%
HK$119,257
+HK$5,971/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$226,572/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,934
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$119,540
−HK$3,664/mo
Today · 4.125%
HK$123,204
baseline
▲ 0.50% · 4.625%
HK$130,700
+HK$7,496/mo
Deposit HK$16.95M · loan HK$25.42M · min. income ≈ HK$246,408/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,800,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,975
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$132,434
−HK$3,509/mo
Today · 4.125%
HK$135,943
baseline
▲ 0.50% · 4.625%
HK$143,109
+HK$7,166/mo
Deposit HK$16.95M · loan HK$25.42M · min. income ≈ HK$271,886/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,800,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,256
−HK$8,482/mo
▼ 0.25% · 3.875%
HK$139,463
−HK$4,275/mo
Today · 4.125%
HK$143,738
baseline
▲ 0.50% · 4.625%
HK$152,484
+HK$8,746/mo
Deposit HK$12.71M · loan HK$29.66M · min. income ≈ HK$287,476/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,471
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$154,506
−HK$4,094/mo
Today · 4.125%
HK$158,600
baseline
▲ 0.50% · 4.625%
HK$166,960
+HK$8,360/mo
Deposit HK$12.71M · loan HK$29.66M · min. income ≈ HK$317,200/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,900
−HK$10,905/mo
▼ 0.25% · 3.875%
HK$179,310
−HK$5,495/mo
Today · 4.125%
HK$184,805
baseline
▲ 0.50% · 4.625%
HK$196,050
+HK$11,245/mo
Deposit HK$4.24M · loan HK$38.13M · min. income ≈ HK$369,610/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,462
−HK$10,453/mo
▼ 0.25% · 3.875%
HK$198,651
−HK$5,264/mo
Today · 4.125%
HK$203,915
baseline
▲ 0.50% · 4.625%
HK$214,663
+HK$10,748/mo
Deposit HK$4.24M · loan HK$38.13M · min. income ≈ HK$407,830/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,667 · Scale 2, in force from 26 Feb 2026)