LTV · monthly repayment
▼ 0.50% · 3.625%
HK$91,953
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,813
−HK$2,906/mo
Today · 4.125%
HK$97,719
baseline
▲ 0.50% · 4.625%
HK$103,665
+HK$5,946/mo
Deposit HK$20.16M · loan HK$20.16M · min. income ≈ HK$195,438/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$1,713,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,297
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,040
−HK$2,784/mo
Today · 4.125%
HK$107,824
baseline
▲ 0.50% · 4.625%
HK$113,507
+HK$5,683/mo
Deposit HK$20.16M · loan HK$20.16M · min. income ≈ HK$215,648/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$1,713,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,344
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,776
−HK$3,487/mo
Today · 4.125%
HK$117,263
baseline
▲ 0.50% · 4.625%
HK$124,398
+HK$7,135/mo
Deposit HK$16.13M · loan HK$24.20M · min. income ≈ HK$234,526/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,756
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,049
−HK$3,339/mo
Today · 4.125%
HK$129,388
baseline
▲ 0.50% · 4.625%
HK$136,209
+HK$6,821/mo
Deposit HK$16.13M · loan HK$24.20M · min. income ≈ HK$258,776/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,734
−HK$8,073/mo
▼ 0.25% · 3.875%
HK$132,739
−HK$4,068/mo
Today · 4.125%
HK$136,807
baseline
▲ 0.50% · 4.625%
HK$145,132
+HK$8,325/mo
Deposit HK$12.10M · loan HK$28.23M · min. income ≈ HK$273,614/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,216
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$147,057
−HK$3,896/mo
Today · 4.125%
HK$150,953
baseline
▲ 0.50% · 4.625%
HK$158,910
+HK$7,957/mo
Deposit HK$12.10M · loan HK$28.23M · min. income ≈ HK$301,906/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,516
−HK$10,379/mo
▼ 0.25% · 3.875%
HK$170,664
−HK$5,231/mo
Today · 4.125%
HK$175,895
baseline
▲ 0.50% · 4.625%
HK$186,598
+HK$10,703/mo
Deposit HK$4.03M · loan HK$36.29M · min. income ≈ HK$351,790/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,713,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,134
−HK$9,949/mo
▼ 0.25% · 3.875%
HK$189,073
−HK$5,010/mo
Today · 4.125%
HK$194,083
baseline
▲ 0.50% · 4.625%
HK$204,313
+HK$10,230/mo
Deposit HK$4.03M · loan HK$36.29M · min. income ≈ HK$388,166/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,713,846 · Scale 2, in force from 26 Feb 2026)