LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,687
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,570
−HK$2,930/mo
Today · 4.125%
HK$98,500
baseline
▲ 0.50% · 4.625%
HK$104,493
+HK$5,993/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$197,000/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$1,727,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,114
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,879
−HK$2,806/mo
Today · 4.125%
HK$108,685
baseline
▲ 0.50% · 4.625%
HK$114,414
+HK$5,729/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$217,370/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$1,727,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,225
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,685
−HK$3,515/mo
Today · 4.125%
HK$118,200
baseline
▲ 0.50% · 4.625%
HK$125,392
+HK$7,192/mo
Deposit HK$16.26M · loan HK$24.39M · min. income ≈ HK$236,400/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,727,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,736
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$127,055
−HK$3,367/mo
Today · 4.125%
HK$130,422
baseline
▲ 0.50% · 4.625%
HK$137,296
+HK$6,874/mo
Deposit HK$16.26M · loan HK$24.39M · min. income ≈ HK$260,844/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,727,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,762
−HK$8,137/mo
▼ 0.25% · 3.875%
HK$133,799
−HK$4,100/mo
Today · 4.125%
HK$137,899
baseline
▲ 0.50% · 4.625%
HK$146,290
+HK$8,391/mo
Deposit HK$12.19M · loan HK$28.45M · min. income ≈ HK$275,798/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,727,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,359
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$148,231
−HK$3,927/mo
Today · 4.125%
HK$152,158
baseline
▲ 0.50% · 4.625%
HK$160,179
+HK$8,021/mo
Deposit HK$12.19M · loan HK$28.45M · min. income ≈ HK$304,316/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,727,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,837
−HK$10,462/mo
▼ 0.25% · 3.875%
HK$172,027
−HK$5,272/mo
Today · 4.125%
HK$177,299
baseline
▲ 0.50% · 4.625%
HK$188,088
+HK$10,789/mo
Deposit HK$4.06M · loan HK$36.58M · min. income ≈ HK$354,598/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,605
−HK$10,027/mo
▼ 0.25% · 3.875%
HK$190,583
−HK$5,049/mo
Today · 4.125%
HK$195,632
baseline
▲ 0.50% · 4.625%
HK$205,944
+HK$10,312/mo
Deposit HK$4.06M · loan HK$36.58M · min. income ≈ HK$391,264/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,531 · Scale 2, in force from 26 Feb 2026)