LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,685
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$99,692
−HK$3,056/mo
Today · 4.125%
HK$102,748
baseline
▲ 0.50% · 4.625%
HK$109,000
+HK$6,252/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$205,496/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$1,802,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,561
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$110,445
−HK$2,927/mo
Today · 4.125%
HK$113,372
baseline
▲ 0.50% · 4.625%
HK$119,348
+HK$5,976/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$226,744/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$1,802,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,022
−HK$7,275/mo
▼ 0.25% · 3.875%
HK$119,631
−HK$3,666/mo
Today · 4.125%
HK$123,297
baseline
▲ 0.50% · 4.625%
HK$130,800
+HK$7,503/mo
Deposit HK$16.96M · loan HK$25.44M · min. income ≈ HK$246,594/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,802,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,073
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$132,535
−HK$3,511/mo
Today · 4.125%
HK$136,046
baseline
▲ 0.50% · 4.625%
HK$143,217
+HK$7,171/mo
Deposit HK$16.96M · loan HK$25.44M · min. income ≈ HK$272,092/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,802,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,359
−HK$8,488/mo
▼ 0.25% · 3.875%
HK$139,569
−HK$4,278/mo
Today · 4.125%
HK$143,847
baseline
▲ 0.50% · 4.625%
HK$152,599
+HK$8,752/mo
Deposit HK$12.72M · loan HK$29.68M · min. income ≈ HK$287,694/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,802,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,585
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$154,624
−HK$4,097/mo
Today · 4.125%
HK$158,721
baseline
▲ 0.50% · 4.625%
HK$167,087
+HK$8,366/mo
Deposit HK$12.72M · loan HK$29.68M · min. income ≈ HK$317,442/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,802,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,032
−HK$10,914/mo
▼ 0.25% · 3.875%
HK$179,446
−HK$5,500/mo
Today · 4.125%
HK$184,946
baseline
▲ 0.50% · 4.625%
HK$196,199
+HK$11,253/mo
Deposit HK$4.24M · loan HK$38.16M · min. income ≈ HK$369,892/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,609
−HK$10,460/mo
▼ 0.25% · 3.875%
HK$198,802
−HK$5,267/mo
Today · 4.125%
HK$204,069
baseline
▲ 0.50% · 4.625%
HK$214,826
+HK$10,757/mo
Deposit HK$4.24M · loan HK$38.16M · min. income ≈ HK$408,138/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,034 · Scale 2, in force from 26 Feb 2026)