LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,397
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,271
−HK$2,920/mo
Today · 4.125%
HK$98,191
baseline
▲ 0.50% · 4.625%
HK$104,166
+HK$5,975/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$196,382/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,722,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,791
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,548
−HK$2,796/mo
Today · 4.125%
HK$108,344
baseline
▲ 0.50% · 4.625%
HK$114,055
+HK$5,711/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$216,688/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,722,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,877
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$114,325
−HK$3,505/mo
Today · 4.125%
HK$117,830
baseline
▲ 0.50% · 4.625%
HK$124,999
+HK$7,169/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$235,660/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,349
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$126,657
−HK$3,356/mo
Today · 4.125%
HK$130,013
baseline
▲ 0.50% · 4.625%
HK$136,866
+HK$6,853/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$260,026/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,722,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,356
−HK$8,112/mo
▼ 0.25% · 3.875%
HK$133,380
−HK$4,088/mo
Today · 4.125%
HK$137,468
baseline
▲ 0.50% · 4.625%
HK$145,832
+HK$8,364/mo
Deposit HK$12.16M · loan HK$28.36M · min. income ≈ HK$274,936/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,907
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$147,767
−HK$3,915/mo
Today · 4.125%
HK$151,682
baseline
▲ 0.50% · 4.625%
HK$159,678
+HK$7,996/mo
Deposit HK$12.16M · loan HK$28.36M · min. income ≈ HK$303,364/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,315
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$171,488
−HK$5,256/mo
Today · 4.125%
HK$176,744
baseline
▲ 0.50% · 4.625%
HK$187,499
+HK$10,755/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$353,488/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,722,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,024
−HK$9,996/mo
▼ 0.25% · 3.875%
HK$189,986
−HK$5,034/mo
Today · 4.125%
HK$195,020
baseline
▲ 0.50% · 4.625%
HK$205,300
+HK$10,280/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$390,040/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,722,122 · Scale 2, in force from 26 Feb 2026)