LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,824
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$95,711
−HK$2,934/mo
Today · 4.125%
HK$98,645
baseline
▲ 0.50% · 4.625%
HK$104,647
+HK$6,002/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$197,290/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,730,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,266
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,035
−HK$2,810/mo
Today · 4.125%
HK$108,845
baseline
▲ 0.50% · 4.625%
HK$114,582
+HK$5,737/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$217,690/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,730,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,389
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$114,854
−HK$3,520/mo
Today · 4.125%
HK$118,374
baseline
▲ 0.50% · 4.625%
HK$125,577
+HK$7,203/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$236,748/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,730,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,919
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$127,242
−HK$3,372/mo
Today · 4.125%
HK$130,614
baseline
▲ 0.50% · 4.625%
HK$137,499
+HK$6,885/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$261,228/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,730,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,953
−HK$8,150/mo
▼ 0.25% · 3.875%
HK$133,996
−HK$4,107/mo
Today · 4.125%
HK$138,103
baseline
▲ 0.50% · 4.625%
HK$146,506
+HK$8,403/mo
Deposit HK$12.21M · loan HK$28.50M · min. income ≈ HK$276,206/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,730,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,572
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$148,449
−HK$3,934/mo
Today · 4.125%
HK$152,383
baseline
▲ 0.50% · 4.625%
HK$160,415
+HK$8,032/mo
Deposit HK$12.21M · loan HK$28.50M · min. income ≈ HK$304,766/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,730,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,083
−HK$10,478/mo
▼ 0.25% · 3.875%
HK$172,280
−HK$5,281/mo
Today · 4.125%
HK$177,561
baseline
▲ 0.50% · 4.625%
HK$188,365
+HK$10,804/mo
Deposit HK$4.07M · loan HK$36.64M · min. income ≈ HK$355,122/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,878
−HK$10,043/mo
▼ 0.25% · 3.875%
HK$190,863
−HK$5,058/mo
Today · 4.125%
HK$195,921
baseline
▲ 0.50% · 4.625%
HK$206,248
+HK$10,327/mo
Deposit HK$4.07M · loan HK$36.64M · min. income ≈ HK$391,842/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,076 · Scale 2, in force from 26 Feb 2026)