LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,585
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,465
−HK$2,926/mo
Today · 4.125%
HK$98,391
baseline
▲ 0.50% · 4.625%
HK$104,378
+HK$5,987/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,782/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,000
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,762
−HK$2,803/mo
Today · 4.125%
HK$108,565
baseline
▲ 0.50% · 4.625%
HK$114,287
+HK$5,722/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,130/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,102
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$114,558
−HK$3,511/mo
Today · 4.125%
HK$118,069
baseline
▲ 0.50% · 4.625%
HK$125,253
+HK$7,184/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$236,138/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,600
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$126,915
−HK$3,363/mo
Today · 4.125%
HK$130,278
baseline
▲ 0.50% · 4.625%
HK$137,145
+HK$6,867/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$260,556/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,619
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$133,651
−HK$4,096/mo
Today · 4.125%
HK$137,747
baseline
▲ 0.50% · 4.625%
HK$146,129
+HK$8,382/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$275,494/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,200
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$148,067
−HK$3,924/mo
Today · 4.125%
HK$151,991
baseline
▲ 0.50% · 4.625%
HK$160,002
+HK$8,011/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$303,982/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,653
−HK$10,451/mo
▼ 0.25% · 3.875%
HK$171,837
−HK$5,267/mo
Today · 4.125%
HK$177,104
baseline
▲ 0.50% · 4.625%
HK$187,880
+HK$10,776/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$354,208/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,400
−HK$10,017/mo
▼ 0.25% · 3.875%
HK$190,372
−HK$5,045/mo
Today · 4.125%
HK$195,417
baseline
▲ 0.50% · 4.625%
HK$205,717
+HK$10,300/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$390,834/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,626 · Scale 2, in force from 26 Feb 2026)