LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,704
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$99,712
−HK$3,056/mo
Today · 4.125%
HK$102,768
baseline
▲ 0.50% · 4.625%
HK$109,021
+HK$6,253/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$205,536/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$1,802,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,582
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,467
−HK$2,927/mo
Today · 4.125%
HK$113,394
baseline
▲ 0.50% · 4.625%
HK$119,371
+HK$5,977/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$226,788/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$1,802,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,044
−HK$7,277/mo
▼ 0.25% · 3.875%
HK$119,654
−HK$3,667/mo
Today · 4.125%
HK$123,321
baseline
▲ 0.50% · 4.625%
HK$130,825
+HK$7,504/mo
Deposit HK$16.96M · loan HK$25.45M · min. income ≈ HK$246,642/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,802,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,098
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$132,560
−HK$3,513/mo
Today · 4.125%
HK$136,073
baseline
▲ 0.50% · 4.625%
HK$143,245
+HK$7,172/mo
Deposit HK$16.96M · loan HK$25.45M · min. income ≈ HK$272,146/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,802,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,385
−HK$8,490/mo
▼ 0.25% · 3.875%
HK$139,596
−HK$4,279/mo
Today · 4.125%
HK$143,875
baseline
▲ 0.50% · 4.625%
HK$152,629
+HK$8,754/mo
Deposit HK$12.72M · loan HK$29.69M · min. income ≈ HK$287,750/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,802,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,614
−HK$8,138/mo
▼ 0.25% · 3.875%
HK$154,654
−HK$4,098/mo
Today · 4.125%
HK$158,752
baseline
▲ 0.50% · 4.625%
HK$167,120
+HK$8,368/mo
Deposit HK$12.72M · loan HK$29.69M · min. income ≈ HK$317,504/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,802,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,066
−HK$10,916/mo
▼ 0.25% · 3.875%
HK$179,481
−HK$5,501/mo
Today · 4.125%
HK$184,982
baseline
▲ 0.50% · 4.625%
HK$196,238
+HK$11,256/mo
Deposit HK$4.24M · loan HK$38.17M · min. income ≈ HK$369,964/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,647
−HK$10,462/mo
▼ 0.25% · 3.875%
HK$198,841
−HK$5,268/mo
Today · 4.125%
HK$204,109
baseline
▲ 0.50% · 4.625%
HK$214,868
+HK$10,759/mo
Deposit HK$4.24M · loan HK$38.17M · min. income ≈ HK$408,218/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,386 · Scale 2, in force from 26 Feb 2026)