LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,422
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,296
−HK$2,921/mo
Today · 4.125%
HK$98,217
baseline
▲ 0.50% · 4.625%
HK$104,194
+HK$5,977/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$196,434/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,818
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,576
−HK$2,797/mo
Today · 4.125%
HK$108,373
baseline
▲ 0.50% · 4.625%
HK$114,086
+HK$5,713/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$216,746/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,906
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,356
−HK$3,505/mo
Today · 4.125%
HK$117,861
baseline
▲ 0.50% · 4.625%
HK$125,032
+HK$7,171/mo
Deposit HK$16.21M · loan HK$24.32M · min. income ≈ HK$235,722/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,722,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,382
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,691
−HK$3,357/mo
Today · 4.125%
HK$130,048
baseline
▲ 0.50% · 4.625%
HK$136,903
+HK$6,855/mo
Deposit HK$16.21M · loan HK$24.32M · min. income ≈ HK$260,096/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,722,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,390
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$133,415
−HK$4,089/mo
Today · 4.125%
HK$137,504
baseline
▲ 0.50% · 4.625%
HK$145,871
+HK$8,367/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$275,008/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,945
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$147,806
−HK$3,916/mo
Today · 4.125%
HK$151,722
baseline
▲ 0.50% · 4.625%
HK$159,720
+HK$7,998/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$303,444/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,359
−HK$10,432/mo
▼ 0.25% · 3.875%
HK$171,534
−HK$5,257/mo
Today · 4.125%
HK$176,791
baseline
▲ 0.50% · 4.625%
HK$187,548
+HK$10,757/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$353,582/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,073
−HK$9,998/mo
▼ 0.25% · 3.875%
HK$190,036
−HK$5,035/mo
Today · 4.125%
HK$195,071
baseline
▲ 0.50% · 4.625%
HK$205,354
+HK$10,283/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$390,142/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,577 · Scale 2, in force from 26 Feb 2026)