LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,704
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,712
−HK$3,057/mo
Today · 4.125%
HK$102,769
baseline
▲ 0.50% · 4.625%
HK$109,022
+HK$6,253/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$205,538/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$1,802,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,583
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,468
−HK$2,927/mo
Today · 4.125%
HK$113,395
baseline
▲ 0.50% · 4.625%
HK$119,372
+HK$5,977/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$226,790/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$1,802,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,045
−HK$7,277/mo
▼ 0.25% · 3.875%
HK$119,655
−HK$3,667/mo
Today · 4.125%
HK$123,322
baseline
▲ 0.50% · 4.625%
HK$130,826
+HK$7,504/mo
Deposit HK$16.96M · loan HK$25.45M · min. income ≈ HK$246,644/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,802,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,099
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$132,562
−HK$3,512/mo
Today · 4.125%
HK$136,074
baseline
▲ 0.50% · 4.625%
HK$143,247
+HK$7,173/mo
Deposit HK$16.96M · loan HK$25.45M · min. income ≈ HK$272,148/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,802,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,386
−HK$8,490/mo
▼ 0.25% · 3.875%
HK$139,597
−HK$4,279/mo
Today · 4.125%
HK$143,876
baseline
▲ 0.50% · 4.625%
HK$152,631
+HK$8,755/mo
Deposit HK$12.72M · loan HK$29.69M · min. income ≈ HK$287,752/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,802,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,616
−HK$8,137/mo
▼ 0.25% · 3.875%
HK$154,655
−HK$4,098/mo
Today · 4.125%
HK$158,753
baseline
▲ 0.50% · 4.625%
HK$167,121
+HK$8,368/mo
Deposit HK$12.72M · loan HK$29.69M · min. income ≈ HK$317,506/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,802,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,068
−HK$10,915/mo
▼ 0.25% · 3.875%
HK$179,482
−HK$5,501/mo
Today · 4.125%
HK$184,983
baseline
▲ 0.50% · 4.625%
HK$196,239
+HK$11,256/mo
Deposit HK$4.24M · loan HK$38.17M · min. income ≈ HK$369,966/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,649
−HK$10,462/mo
▼ 0.25% · 3.875%
HK$198,842
−HK$5,269/mo
Today · 4.125%
HK$204,111
baseline
▲ 0.50% · 4.625%
HK$214,870
+HK$10,759/mo
Deposit HK$4.24M · loan HK$38.17M · min. income ≈ HK$408,222/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,401 · Scale 2, in force from 26 Feb 2026)