LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,802
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,813
−HK$3,059/mo
Today · 4.125%
HK$102,872
baseline
▲ 0.50% · 4.625%
HK$109,132
+HK$6,260/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$205,744/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$1,804,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,691
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,580
−HK$2,930/mo
Today · 4.125%
HK$113,510
baseline
▲ 0.50% · 4.625%
HK$119,493
+HK$5,983/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$227,020/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$1,804,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,162
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$119,776
−HK$3,671/mo
Today · 4.125%
HK$123,447
baseline
▲ 0.50% · 4.625%
HK$130,958
+HK$7,511/mo
Deposit HK$16.98M · loan HK$25.47M · min. income ≈ HK$246,894/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,230
−HK$6,981/mo
▼ 0.25% · 3.875%
HK$132,695
−HK$3,516/mo
Today · 4.125%
HK$136,211
baseline
▲ 0.50% · 4.625%
HK$143,391
+HK$7,180/mo
Deposit HK$16.98M · loan HK$25.47M · min. income ≈ HK$272,422/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,523
−HK$8,498/mo
▼ 0.25% · 3.875%
HK$139,738
−HK$4,283/mo
Today · 4.125%
HK$144,021
baseline
▲ 0.50% · 4.625%
HK$152,785
+HK$8,764/mo
Deposit HK$12.74M · loan HK$29.72M · min. income ≈ HK$288,042/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,768
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$154,811
−HK$4,102/mo
Today · 4.125%
HK$158,913
baseline
▲ 0.50% · 4.625%
HK$167,290
+HK$8,377/mo
Deposit HK$12.74M · loan HK$29.72M · min. income ≈ HK$317,826/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,244
−HK$10,926/mo
▼ 0.25% · 3.875%
HK$179,664
−HK$5,506/mo
Today · 4.125%
HK$185,170
baseline
▲ 0.50% · 4.625%
HK$196,438
+HK$11,268/mo
Deposit HK$4.25M · loan HK$38.21M · min. income ≈ HK$370,340/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,844
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$199,043
−HK$5,274/mo
Today · 4.125%
HK$204,317
baseline
▲ 0.50% · 4.625%
HK$215,087
+HK$10,770/mo
Deposit HK$4.25M · loan HK$38.21M · min. income ≈ HK$408,634/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,222 · Scale 2, in force from 26 Feb 2026)