LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,037
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,900
−HK$2,909/mo
Today · 4.125%
HK$97,809
baseline
▲ 0.50% · 4.625%
HK$103,760
+HK$5,951/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$195,618/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$1,715,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,390
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$105,136
−HK$2,786/mo
Today · 4.125%
HK$107,922
baseline
▲ 0.50% · 4.625%
HK$113,611
+HK$5,689/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$215,844/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$1,715,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,444
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$113,880
−HK$3,490/mo
Today · 4.125%
HK$117,370
baseline
▲ 0.50% · 4.625%
HK$124,512
+HK$7,142/mo
Deposit HK$16.15M · loan HK$24.22M · min. income ≈ HK$234,740/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,868
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$126,164
−HK$3,343/mo
Today · 4.125%
HK$129,507
baseline
▲ 0.50% · 4.625%
HK$136,333
+HK$6,826/mo
Deposit HK$16.15M · loan HK$24.22M · min. income ≈ HK$259,014/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,852
−HK$8,080/mo
▼ 0.25% · 3.875%
HK$132,860
−HK$4,072/mo
Today · 4.125%
HK$136,932
baseline
▲ 0.50% · 4.625%
HK$145,264
+HK$8,332/mo
Deposit HK$12.11M · loan HK$28.25M · min. income ≈ HK$273,864/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,715,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,346
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$147,191
−HK$3,900/mo
Today · 4.125%
HK$151,091
baseline
▲ 0.50% · 4.625%
HK$159,055
+HK$7,964/mo
Deposit HK$12.11M · loan HK$28.25M · min. income ≈ HK$302,182/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,715,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,667
−HK$10,388/mo
▼ 0.25% · 3.875%
HK$170,820
−HK$5,235/mo
Today · 4.125%
HK$176,055
baseline
▲ 0.50% · 4.625%
HK$186,768
+HK$10,713/mo
Deposit HK$4.04M · loan HK$36.33M · min. income ≈ HK$352,110/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,303
−HK$9,957/mo
▼ 0.25% · 3.875%
HK$189,245
−HK$5,015/mo
Today · 4.125%
HK$194,260
baseline
▲ 0.50% · 4.625%
HK$204,500
+HK$10,240/mo
Deposit HK$4.04M · loan HK$36.33M · min. income ≈ HK$388,520/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,410 · Scale 2, in force from 26 Feb 2026)