LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,600
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,481
−HK$2,926/mo
Today · 4.125%
HK$98,407
baseline
▲ 0.50% · 4.625%
HK$104,395
+HK$5,988/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,814/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,017
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,780
−HK$2,803/mo
Today · 4.125%
HK$108,583
baseline
▲ 0.50% · 4.625%
HK$114,306
+HK$5,723/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,166/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,120
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,577
−HK$3,512/mo
Today · 4.125%
HK$118,089
baseline
▲ 0.50% · 4.625%
HK$125,274
+HK$7,185/mo
Deposit HK$16.24M · loan HK$24.37M · min. income ≈ HK$236,178/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,620
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,936
−HK$3,363/mo
Today · 4.125%
HK$130,299
baseline
▲ 0.50% · 4.625%
HK$137,167
+HK$6,868/mo
Deposit HK$16.24M · loan HK$24.37M · min. income ≈ HK$260,598/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,641
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$133,673
−HK$4,097/mo
Today · 4.125%
HK$137,770
baseline
▲ 0.50% · 4.625%
HK$146,153
+HK$8,383/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$275,540/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,224
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$148,092
−HK$3,924/mo
Today · 4.125%
HK$152,016
baseline
▲ 0.50% · 4.625%
HK$160,029
+HK$8,013/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$304,032/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,681
−HK$10,452/mo
▼ 0.25% · 3.875%
HK$171,865
−HK$5,268/mo
Today · 4.125%
HK$177,133
baseline
▲ 0.50% · 4.625%
HK$187,911
+HK$10,778/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$354,266/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,431
−HK$10,018/mo
▼ 0.25% · 3.875%
HK$190,404
−HK$5,045/mo
Today · 4.125%
HK$195,449
baseline
▲ 0.50% · 4.625%
HK$205,751
+HK$10,302/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$390,898/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,910 · Scale 2, in force from 26 Feb 2026)