LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,811
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$99,822
−HK$3,060/mo
Today · 4.125%
HK$102,882
baseline
▲ 0.50% · 4.625%
HK$109,142
+HK$6,260/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$205,764/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$1,804,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,701
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,590
−HK$2,930/mo
Today · 4.125%
HK$113,520
baseline
▲ 0.50% · 4.625%
HK$119,504
+HK$5,984/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$227,040/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$1,804,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,173
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$119,787
−HK$3,671/mo
Today · 4.125%
HK$123,458
baseline
▲ 0.50% · 4.625%
HK$130,971
+HK$7,513/mo
Deposit HK$16.98M · loan HK$25.47M · min. income ≈ HK$246,916/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,242
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$132,708
−HK$3,516/mo
Today · 4.125%
HK$136,224
baseline
▲ 0.50% · 4.625%
HK$143,405
+HK$7,181/mo
Deposit HK$16.98M · loan HK$25.47M · min. income ≈ HK$272,448/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,536
−HK$8,499/mo
▼ 0.25% · 3.875%
HK$139,751
−HK$4,284/mo
Today · 4.125%
HK$144,035
baseline
▲ 0.50% · 4.625%
HK$152,799
+HK$8,764/mo
Deposit HK$12.74M · loan HK$29.72M · min. income ≈ HK$288,070/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,782
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$154,826
−HK$4,102/mo
Today · 4.125%
HK$158,928
baseline
▲ 0.50% · 4.625%
HK$167,305
+HK$8,377/mo
Deposit HK$12.74M · loan HK$29.72M · min. income ≈ HK$317,856/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,260
−HK$10,928/mo
▼ 0.25% · 3.875%
HK$179,680
−HK$5,508/mo
Today · 4.125%
HK$185,188
baseline
▲ 0.50% · 4.625%
HK$196,456
+HK$11,268/mo
Deposit HK$4.25M · loan HK$38.21M · min. income ≈ HK$370,376/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,862
−HK$10,474/mo
▼ 0.25% · 3.875%
HK$199,062
−HK$5,274/mo
Today · 4.125%
HK$204,336
baseline
▲ 0.50% · 4.625%
HK$215,107
+HK$10,771/mo
Deposit HK$4.25M · loan HK$38.21M · min. income ≈ HK$408,672/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,390 · Scale 2, in force from 26 Feb 2026)