LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,828
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,840
−HK$3,060/mo
Today · 4.125%
HK$102,900
baseline
▲ 0.50% · 4.625%
HK$109,162
+HK$6,262/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$205,800/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$1,804,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,721
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,610
−HK$2,930/mo
Today · 4.125%
HK$113,540
baseline
▲ 0.50% · 4.625%
HK$119,525
+HK$5,985/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$227,080/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$1,804,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,194
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$119,808
−HK$3,672/mo
Today · 4.125%
HK$123,480
baseline
▲ 0.50% · 4.625%
HK$130,994
+HK$7,514/mo
Deposit HK$16.99M · loan HK$25.48M · min. income ≈ HK$246,960/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,265
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,732
−HK$3,517/mo
Today · 4.125%
HK$136,249
baseline
▲ 0.50% · 4.625%
HK$143,430
+HK$7,181/mo
Deposit HK$16.99M · loan HK$25.48M · min. income ≈ HK$272,498/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,560
−HK$8,501/mo
▼ 0.25% · 3.875%
HK$139,776
−HK$4,285/mo
Today · 4.125%
HK$144,061
baseline
▲ 0.50% · 4.625%
HK$152,826
+HK$8,765/mo
Deposit HK$12.74M · loan HK$29.72M · min. income ≈ HK$288,122/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,809
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$154,853
−HK$4,104/mo
Today · 4.125%
HK$158,957
baseline
▲ 0.50% · 4.625%
HK$167,335
+HK$8,378/mo
Deposit HK$12.74M · loan HK$29.72M · min. income ≈ HK$317,914/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,291
−HK$10,930/mo
▼ 0.25% · 3.875%
HK$179,713
−HK$5,508/mo
Today · 4.125%
HK$185,221
baseline
▲ 0.50% · 4.625%
HK$196,491
+HK$11,270/mo
Deposit HK$4.25M · loan HK$38.22M · min. income ≈ HK$370,442/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,897
−HK$10,476/mo
▼ 0.25% · 3.875%
HK$199,097
−HK$5,276/mo
Today · 4.125%
HK$204,373
baseline
▲ 0.50% · 4.625%
HK$215,146
+HK$10,773/mo
Deposit HK$4.25M · loan HK$38.22M · min. income ≈ HK$408,746/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,713 · Scale 2, in force from 26 Feb 2026)