LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,394
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,268
−HK$2,920/mo
Today · 4.125%
HK$98,188
baseline
▲ 0.50% · 4.625%
HK$104,162
+HK$5,974/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$196,376/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,722,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,787
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,544
−HK$2,797/mo
Today · 4.125%
HK$108,341
baseline
▲ 0.50% · 4.625%
HK$114,051
+HK$5,710/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$216,682/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,722,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,873
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$114,322
−HK$3,503/mo
Today · 4.125%
HK$117,825
baseline
▲ 0.50% · 4.625%
HK$124,995
+HK$7,170/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$235,650/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,345
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$126,653
−HK$3,356/mo
Today · 4.125%
HK$130,009
baseline
▲ 0.50% · 4.625%
HK$136,862
+HK$6,853/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$260,018/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,352
−HK$8,111/mo
▼ 0.25% · 3.875%
HK$133,375
−HK$4,088/mo
Today · 4.125%
HK$137,463
baseline
▲ 0.50% · 4.625%
HK$145,827
+HK$8,364/mo
Deposit HK$12.16M · loan HK$28.36M · min. income ≈ HK$274,926/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,902
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$147,762
−HK$3,915/mo
Today · 4.125%
HK$151,677
baseline
▲ 0.50% · 4.625%
HK$159,672
+HK$7,995/mo
Deposit HK$12.16M · loan HK$28.36M · min. income ≈ HK$303,354/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,309
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$171,482
−HK$5,256/mo
Today · 4.125%
HK$176,738
baseline
▲ 0.50% · 4.625%
HK$187,492
+HK$10,754/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$353,476/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,722,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,017
−HK$9,996/mo
▼ 0.25% · 3.875%
HK$189,979
−HK$5,034/mo
Today · 4.125%
HK$195,013
baseline
▲ 0.50% · 4.625%
HK$205,293
+HK$10,280/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$390,026/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,722,063 · Scale 2, in force from 26 Feb 2026)