LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,591
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,471
−HK$2,926/mo
Today · 4.125%
HK$98,397
baseline
▲ 0.50% · 4.625%
HK$104,385
+HK$5,988/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,794/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,007
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,769
−HK$2,803/mo
Today · 4.125%
HK$108,572
baseline
▲ 0.50% · 4.625%
HK$114,295
+HK$5,723/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,144/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,109
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$114,565
−HK$3,512/mo
Today · 4.125%
HK$118,077
baseline
▲ 0.50% · 4.625%
HK$125,262
+HK$7,185/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$236,154/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,608
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$126,923
−HK$3,363/mo
Today · 4.125%
HK$130,286
baseline
▲ 0.50% · 4.625%
HK$137,154
+HK$6,868/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$260,572/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,627
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$133,660
−HK$4,096/mo
Today · 4.125%
HK$137,756
baseline
▲ 0.50% · 4.625%
HK$146,138
+HK$8,382/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$275,512/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,209
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$148,077
−HK$3,923/mo
Today · 4.125%
HK$152,000
baseline
▲ 0.50% · 4.625%
HK$160,013
+HK$8,013/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$304,000/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,664
−HK$10,451/mo
▼ 0.25% · 3.875%
HK$171,848
−HK$5,267/mo
Today · 4.125%
HK$177,115
baseline
▲ 0.50% · 4.625%
HK$187,892
+HK$10,777/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$354,230/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,412
−HK$10,017/mo
▼ 0.25% · 3.875%
HK$190,385
−HK$5,044/mo
Today · 4.125%
HK$195,429
baseline
▲ 0.50% · 4.625%
HK$205,731
+HK$10,302/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$390,858/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,736 · Scale 2, in force from 26 Feb 2026)