LTV · monthly repayment
▼ 0.50% · 3.625%
HK$96,872
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,885
−HK$3,062/mo
Today · 4.125%
HK$102,947
baseline
▲ 0.50% · 4.625%
HK$109,211
+HK$6,264/mo
Deposit HK$21.24M · loan HK$21.24M · min. income ≈ HK$205,894/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$1,805,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,769
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,660
−HK$2,932/mo
Today · 4.125%
HK$113,592
baseline
▲ 0.50% · 4.625%
HK$119,579
+HK$5,987/mo
Deposit HK$21.24M · loan HK$21.24M · min. income ≈ HK$227,184/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$1,805,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,247
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$119,863
−HK$3,673/mo
Today · 4.125%
HK$123,536
baseline
▲ 0.50% · 4.625%
HK$131,053
+HK$7,517/mo
Deposit HK$16.99M · loan HK$25.49M · min. income ≈ HK$247,072/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,805,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,323
−HK$6,987/mo
▼ 0.25% · 3.875%
HK$132,792
−HK$3,518/mo
Today · 4.125%
HK$136,310
baseline
▲ 0.50% · 4.625%
HK$143,495
+HK$7,185/mo
Deposit HK$16.99M · loan HK$25.49M · min. income ≈ HK$272,620/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,805,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,621
−HK$8,505/mo
▼ 0.25% · 3.875%
HK$139,840
−HK$4,286/mo
Today · 4.125%
HK$144,126
baseline
▲ 0.50% · 4.625%
HK$152,895
+HK$8,769/mo
Deposit HK$12.74M · loan HK$29.74M · min. income ≈ HK$288,252/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,805,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,877
−HK$8,151/mo
▼ 0.25% · 3.875%
HK$154,923
−HK$4,105/mo
Today · 4.125%
HK$159,028
baseline
▲ 0.50% · 4.625%
HK$167,411
+HK$8,383/mo
Deposit HK$12.74M · loan HK$29.74M · min. income ≈ HK$318,056/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,805,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,370
−HK$10,934/mo
▼ 0.25% · 3.875%
HK$179,794
−HK$5,510/mo
Today · 4.125%
HK$185,304
baseline
▲ 0.50% · 4.625%
HK$196,580
+HK$11,276/mo
Deposit HK$4.25M · loan HK$38.23M · min. income ≈ HK$370,608/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,805,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,985
−HK$10,480/mo
▼ 0.25% · 3.875%
HK$199,187
−HK$5,278/mo
Today · 4.125%
HK$204,465
baseline
▲ 0.50% · 4.625%
HK$215,243
+HK$10,778/mo
Deposit HK$4.25M · loan HK$38.23M · min. income ≈ HK$408,930/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,805,529 · Scale 2, in force from 26 Feb 2026)