LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,422
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,297
−HK$2,921/mo
Today · 4.125%
HK$98,218
baseline
▲ 0.50% · 4.625%
HK$104,194
+HK$5,976/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$196,436/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,819
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,577
−HK$2,797/mo
Today · 4.125%
HK$108,374
baseline
▲ 0.50% · 4.625%
HK$114,086
+HK$5,712/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$216,748/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,907
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,357
−HK$3,505/mo
Today · 4.125%
HK$117,862
baseline
▲ 0.50% · 4.625%
HK$125,033
+HK$7,171/mo
Deposit HK$16.21M · loan HK$24.32M · min. income ≈ HK$235,724/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,722,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,383
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,692
−HK$3,357/mo
Today · 4.125%
HK$130,049
baseline
▲ 0.50% · 4.625%
HK$136,904
+HK$6,855/mo
Deposit HK$16.21M · loan HK$24.32M · min. income ≈ HK$260,098/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,722,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,391
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$133,416
−HK$4,089/mo
Today · 4.125%
HK$137,505
baseline
▲ 0.50% · 4.625%
HK$145,872
+HK$8,367/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$275,010/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,947
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$147,807
−HK$3,917/mo
Today · 4.125%
HK$151,724
baseline
▲ 0.50% · 4.625%
HK$159,721
+HK$7,997/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$303,448/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,360
−HK$10,433/mo
▼ 0.25% · 3.875%
HK$171,535
−HK$5,258/mo
Today · 4.125%
HK$176,793
baseline
▲ 0.50% · 4.625%
HK$187,550
+HK$10,757/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$353,586/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,074
−HK$9,999/mo
▼ 0.25% · 3.875%
HK$190,038
−HK$5,035/mo
Today · 4.125%
HK$195,073
baseline
▲ 0.50% · 4.625%
HK$205,356
+HK$10,283/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$390,146/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,592 · Scale 2, in force from 26 Feb 2026)