LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,566
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,446
−HK$2,925/mo
Today · 4.125%
HK$98,371
baseline
▲ 0.50% · 4.625%
HK$104,357
+HK$5,986/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,742/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,979
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,741
−HK$2,802/mo
Today · 4.125%
HK$108,543
baseline
▲ 0.50% · 4.625%
HK$114,264
+HK$5,721/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,086/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,080
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,535
−HK$3,510/mo
Today · 4.125%
HK$118,045
baseline
▲ 0.50% · 4.625%
HK$125,228
+HK$7,183/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$236,090/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,575
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$126,889
−HK$3,362/mo
Today · 4.125%
HK$130,251
baseline
▲ 0.50% · 4.625%
HK$137,117
+HK$6,866/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$260,502/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,593
−HK$8,127/mo
▼ 0.25% · 3.875%
HK$133,624
−HK$4,096/mo
Today · 4.125%
HK$137,720
baseline
▲ 0.50% · 4.625%
HK$146,100
+HK$8,380/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$275,440/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,171
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$148,037
−HK$3,923/mo
Today · 4.125%
HK$151,960
baseline
▲ 0.50% · 4.625%
HK$159,970
+HK$8,010/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$303,920/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,620
−HK$10,448/mo
▼ 0.25% · 3.875%
HK$171,802
−HK$5,266/mo
Today · 4.125%
HK$177,068
baseline
▲ 0.50% · 4.625%
HK$187,842
+HK$10,774/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$354,136/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,725,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,363
−HK$10,014/mo
▼ 0.25% · 3.875%
HK$190,334
−HK$5,043/mo
Today · 4.125%
HK$195,377
baseline
▲ 0.50% · 4.625%
HK$205,676
+HK$10,299/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$390,754/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,725,277 · Scale 2, in force from 26 Feb 2026)