LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,881
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,770
−HK$2,935/mo
Today · 4.125%
HK$98,705
baseline
▲ 0.50% · 4.625%
HK$104,711
+HK$6,006/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$197,410/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,329
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,100
−HK$2,811/mo
Today · 4.125%
HK$108,911
baseline
▲ 0.50% · 4.625%
HK$114,652
+HK$5,741/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$217,822/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,457
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$114,924
−HK$3,522/mo
Today · 4.125%
HK$118,446
baseline
▲ 0.50% · 4.625%
HK$125,653
+HK$7,207/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$236,892/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,731,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,995
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,320
−HK$3,374/mo
Today · 4.125%
HK$130,694
baseline
▲ 0.50% · 4.625%
HK$137,583
+HK$6,889/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$261,388/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$1,731,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,033
−HK$8,154/mo
▼ 0.25% · 3.875%
HK$134,078
−HK$4,109/mo
Today · 4.125%
HK$138,187
baseline
▲ 0.50% · 4.625%
HK$146,596
+HK$8,409/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$276,374/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,731,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,660
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$148,540
−HK$3,936/mo
Today · 4.125%
HK$152,476
baseline
▲ 0.50% · 4.625%
HK$160,513
+HK$8,037/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$304,952/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,731,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,185
−HK$10,484/mo
▼ 0.25% · 3.875%
HK$172,386
−HK$5,283/mo
Today · 4.125%
HK$177,669
baseline
▲ 0.50% · 4.625%
HK$188,480
+HK$10,811/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$355,338/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,731,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,992
−HK$10,049/mo
▼ 0.25% · 3.875%
HK$190,980
−HK$5,061/mo
Today · 4.125%
HK$196,041
baseline
▲ 0.50% · 4.625%
HK$206,374
+HK$10,333/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$392,082/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,731,136 · Scale 2, in force from 26 Feb 2026)