LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,025
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$94,887
−HK$2,908/mo
Today · 4.125%
HK$97,795
baseline
▲ 0.50% · 4.625%
HK$103,746
+HK$5,951/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$195,590/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$1,715,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,376
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,122
−HK$2,785/mo
Today · 4.125%
HK$107,907
baseline
▲ 0.50% · 4.625%
HK$113,595
+HK$5,688/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$215,814/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$1,715,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,429
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$113,864
−HK$3,490/mo
Today · 4.125%
HK$117,354
baseline
▲ 0.50% · 4.625%
HK$124,495
+HK$7,141/mo
Deposit HK$16.14M · loan HK$24.21M · min. income ≈ HK$234,708/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,852
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$126,146
−HK$3,343/mo
Today · 4.125%
HK$129,489
baseline
▲ 0.50% · 4.625%
HK$136,314
+HK$6,825/mo
Deposit HK$16.14M · loan HK$24.21M · min. income ≈ HK$258,978/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,834
−HK$8,079/mo
▼ 0.25% · 3.875%
HK$132,842
−HK$4,071/mo
Today · 4.125%
HK$136,913
baseline
▲ 0.50% · 4.625%
HK$145,244
+HK$8,331/mo
Deposit HK$12.11M · loan HK$28.25M · min. income ≈ HK$273,826/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,715,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,327
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$147,171
−HK$3,899/mo
Today · 4.125%
HK$151,070
baseline
▲ 0.50% · 4.625%
HK$159,034
+HK$7,964/mo
Deposit HK$12.11M · loan HK$28.25M · min. income ≈ HK$302,140/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,715,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,644
−HK$10,388/mo
▼ 0.25% · 3.875%
HK$170,797
−HK$5,235/mo
Today · 4.125%
HK$176,032
baseline
▲ 0.50% · 4.625%
HK$186,743
+HK$10,711/mo
Deposit HK$4.04M · loan HK$36.32M · min. income ≈ HK$352,064/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,277
−HK$9,956/mo
▼ 0.25% · 3.875%
HK$189,220
−HK$5,013/mo
Today · 4.125%
HK$194,233
baseline
▲ 0.50% · 4.625%
HK$204,472
+HK$10,239/mo
Deposit HK$4.04M · loan HK$36.32M · min. income ≈ HK$388,466/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,177 · Scale 2, in force from 26 Feb 2026)