LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,580
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,460
−HK$2,926/mo
Today · 4.125%
HK$98,386
baseline
▲ 0.50% · 4.625%
HK$104,372
+HK$5,986/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,772/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,995
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,757
−HK$2,802/mo
Today · 4.125%
HK$108,559
baseline
▲ 0.50% · 4.625%
HK$114,281
+HK$5,722/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,118/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,096
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$114,552
−HK$3,511/mo
Today · 4.125%
HK$118,063
baseline
▲ 0.50% · 4.625%
HK$125,247
+HK$7,184/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$236,126/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,594
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$126,908
−HK$3,363/mo
Today · 4.125%
HK$130,271
baseline
▲ 0.50% · 4.625%
HK$137,138
+HK$6,867/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$260,542/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,612
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$133,644
−HK$4,096/mo
Today · 4.125%
HK$137,740
baseline
▲ 0.50% · 4.625%
HK$146,121
+HK$8,381/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$275,480/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,192
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$148,060
−HK$3,923/mo
Today · 4.125%
HK$151,983
baseline
▲ 0.50% · 4.625%
HK$159,994
+HK$8,011/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$303,966/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,645
−HK$10,450/mo
▼ 0.25% · 3.875%
HK$171,828
−HK$5,267/mo
Today · 4.125%
HK$177,095
baseline
▲ 0.50% · 4.625%
HK$187,870
+HK$10,775/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$354,190/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,390
−HK$10,016/mo
▼ 0.25% · 3.875%
HK$190,362
−HK$5,044/mo
Today · 4.125%
HK$195,406
baseline
▲ 0.50% · 4.625%
HK$205,707
+HK$10,301/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$390,812/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,535 · Scale 2, in force from 26 Feb 2026)