LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,521
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,399
−HK$2,924/mo
Today · 4.125%
HK$98,323
baseline
▲ 0.50% · 4.625%
HK$104,306
+HK$5,983/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,646/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,929
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,689
−HK$2,801/mo
Today · 4.125%
HK$108,490
baseline
▲ 0.50% · 4.625%
HK$114,208
+HK$5,718/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$216,980/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,025
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$114,479
−HK$3,509/mo
Today · 4.125%
HK$117,988
baseline
▲ 0.50% · 4.625%
HK$125,167
+HK$7,179/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$235,976/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,515
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,827
−HK$3,361/mo
Today · 4.125%
HK$130,188
baseline
▲ 0.50% · 4.625%
HK$137,050
+HK$6,862/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$260,376/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,530
−HK$8,122/mo
▼ 0.25% · 3.875%
HK$133,559
−HK$4,093/mo
Today · 4.125%
HK$137,652
baseline
▲ 0.50% · 4.625%
HK$146,028
+HK$8,376/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$275,304/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,100
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$147,965
−HK$3,921/mo
Today · 4.125%
HK$151,886
baseline
▲ 0.50% · 4.625%
HK$159,892
+HK$8,006/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$303,772/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,538
−HK$10,443/mo
▼ 0.25% · 3.875%
HK$171,718
−HK$5,263/mo
Today · 4.125%
HK$176,981
baseline
▲ 0.50% · 4.625%
HK$187,750
+HK$10,769/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$353,962/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,272
−HK$10,010/mo
▼ 0.25% · 3.875%
HK$190,241
−HK$5,041/mo
Today · 4.125%
HK$195,282
baseline
▲ 0.50% · 4.625%
HK$205,575
+HK$10,293/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$390,564/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,433 · Scale 2, in force from 26 Feb 2026)