LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,869
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,757
−HK$2,935/mo
Today · 4.125%
HK$98,692
baseline
▲ 0.50% · 4.625%
HK$104,698
+HK$6,006/mo
Deposit HK$20.36M · loan HK$20.36M · min. income ≈ HK$197,384/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$1,730,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,315
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,086
−HK$2,811/mo
Today · 4.125%
HK$108,897
baseline
▲ 0.50% · 4.625%
HK$114,637
+HK$5,740/mo
Deposit HK$20.36M · loan HK$20.36M · min. income ≈ HK$217,794/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$1,730,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,442
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$114,909
−HK$3,522/mo
Today · 4.125%
HK$118,431
baseline
▲ 0.50% · 4.625%
HK$125,637
+HK$7,206/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$236,862/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,730,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,979
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$127,304
−HK$3,373/mo
Today · 4.125%
HK$130,677
baseline
▲ 0.50% · 4.625%
HK$137,565
+HK$6,888/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$261,354/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,730,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,016
−HK$8,153/mo
▼ 0.25% · 3.875%
HK$134,060
−HK$4,109/mo
Today · 4.125%
HK$138,169
baseline
▲ 0.50% · 4.625%
HK$146,577
+HK$8,408/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$276,338/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,730,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,642
−HK$7,814/mo
▼ 0.25% · 3.875%
HK$148,521
−HK$3,935/mo
Today · 4.125%
HK$152,456
baseline
▲ 0.50% · 4.625%
HK$160,492
+HK$8,036/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$304,912/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,730,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,164
−HK$10,482/mo
▼ 0.25% · 3.875%
HK$172,363
−HK$5,283/mo
Today · 4.125%
HK$177,646
baseline
▲ 0.50% · 4.625%
HK$188,456
+HK$10,810/mo
Deposit HK$4.07M · loan HK$36.65M · min. income ≈ HK$355,292/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,968
−HK$10,047/mo
▼ 0.25% · 3.875%
HK$190,955
−HK$5,060/mo
Today · 4.125%
HK$196,015
baseline
▲ 0.50% · 4.625%
HK$206,347
+HK$10,332/mo
Deposit HK$4.07M · loan HK$36.65M · min. income ≈ HK$392,030/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,910 · Scale 2, in force from 26 Feb 2026)