LTV · monthly repayment
▼ 0.50% · 3.625%
HK$91,952
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,812
−HK$2,906/mo
Today · 4.125%
HK$97,718
baseline
▲ 0.50% · 4.625%
HK$103,664
+HK$5,946/mo
Deposit HK$20.16M · loan HK$20.16M · min. income ≈ HK$195,436/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$1,713,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,296
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,039
−HK$2,783/mo
Today · 4.125%
HK$107,822
baseline
▲ 0.50% · 4.625%
HK$113,506
+HK$5,684/mo
Deposit HK$20.16M · loan HK$20.16M · min. income ≈ HK$215,644/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$1,713,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,342
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$113,775
−HK$3,487/mo
Today · 4.125%
HK$117,262
baseline
▲ 0.50% · 4.625%
HK$124,397
+HK$7,135/mo
Deposit HK$16.13M · loan HK$24.20M · min. income ≈ HK$234,524/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,755
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,047
−HK$3,340/mo
Today · 4.125%
HK$129,387
baseline
▲ 0.50% · 4.625%
HK$136,207
+HK$6,820/mo
Deposit HK$16.13M · loan HK$24.20M · min. income ≈ HK$258,774/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,733
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$132,737
−HK$4,068/mo
Today · 4.125%
HK$136,805
baseline
▲ 0.50% · 4.625%
HK$145,130
+HK$8,325/mo
Deposit HK$12.10M · loan HK$28.23M · min. income ≈ HK$273,610/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,214
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$147,055
−HK$3,896/mo
Today · 4.125%
HK$150,951
baseline
▲ 0.50% · 4.625%
HK$158,908
+HK$7,957/mo
Deposit HK$12.10M · loan HK$28.23M · min. income ≈ HK$301,902/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,513
−HK$10,380/mo
▼ 0.25% · 3.875%
HK$170,662
−HK$5,231/mo
Today · 4.125%
HK$175,893
baseline
▲ 0.50% · 4.625%
HK$186,595
+HK$10,702/mo
Deposit HK$4.03M · loan HK$36.29M · min. income ≈ HK$351,786/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,713,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,132
−HK$9,948/mo
▼ 0.25% · 3.875%
HK$189,070
−HK$5,010/mo
Today · 4.125%
HK$194,080
baseline
▲ 0.50% · 4.625%
HK$204,310
+HK$10,230/mo
Deposit HK$4.03M · loan HK$36.29M · min. income ≈ HK$388,160/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,713,824 · Scale 2, in force from 26 Feb 2026)