LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,045
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,908
−HK$2,909/mo
Today · 4.125%
HK$97,817
baseline
▲ 0.50% · 4.625%
HK$103,769
+HK$5,952/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$195,634/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$1,715,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,399
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$105,145
−HK$2,786/mo
Today · 4.125%
HK$107,931
baseline
▲ 0.50% · 4.625%
HK$113,621
+HK$5,690/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$215,862/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$1,715,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,454
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$113,890
−HK$3,490/mo
Today · 4.125%
HK$117,380
baseline
▲ 0.50% · 4.625%
HK$124,523
+HK$7,143/mo
Deposit HK$16.15M · loan HK$24.22M · min. income ≈ HK$234,760/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,879
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$126,174
−HK$3,344/mo
Today · 4.125%
HK$129,518
baseline
▲ 0.50% · 4.625%
HK$136,345
+HK$6,827/mo
Deposit HK$16.15M · loan HK$24.22M · min. income ≈ HK$259,036/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,863
−HK$8,081/mo
▼ 0.25% · 3.875%
HK$132,871
−HK$4,073/mo
Today · 4.125%
HK$136,944
baseline
▲ 0.50% · 4.625%
HK$145,276
+HK$8,332/mo
Deposit HK$12.11M · loan HK$28.26M · min. income ≈ HK$273,888/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,715,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,359
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$147,203
−HK$3,901/mo
Today · 4.125%
HK$151,104
baseline
▲ 0.50% · 4.625%
HK$159,069
+HK$7,965/mo
Deposit HK$12.11M · loan HK$28.26M · min. income ≈ HK$302,208/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,715,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,681
−HK$10,389/mo
▼ 0.25% · 3.875%
HK$170,834
−HK$5,236/mo
Today · 4.125%
HK$176,070
baseline
▲ 0.50% · 4.625%
HK$186,784
+HK$10,714/mo
Deposit HK$4.04M · loan HK$36.33M · min. income ≈ HK$352,140/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,318
−HK$9,958/mo
▼ 0.25% · 3.875%
HK$189,262
−HK$5,014/mo
Today · 4.125%
HK$194,276
baseline
▲ 0.50% · 4.625%
HK$204,517
+HK$10,241/mo
Deposit HK$4.04M · loan HK$36.33M · min. income ≈ HK$388,552/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,557 · Scale 2, in force from 26 Feb 2026)