LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,887
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,776
−HK$2,936/mo
Today · 4.125%
HK$98,712
baseline
▲ 0.50% · 4.625%
HK$104,718
+HK$6,006/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$197,424/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,336
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,107
−HK$2,812/mo
Today · 4.125%
HK$108,919
baseline
▲ 0.50% · 4.625%
HK$114,660
+HK$5,741/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$217,838/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,464
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$114,931
−HK$3,523/mo
Today · 4.125%
HK$118,454
baseline
▲ 0.50% · 4.625%
HK$125,662
+HK$7,208/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$236,908/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,003
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,329
−HK$3,373/mo
Today · 4.125%
HK$130,702
baseline
▲ 0.50% · 4.625%
HK$137,592
+HK$6,890/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$261,404/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,042
−HK$8,154/mo
▼ 0.25% · 3.875%
HK$134,087
−HK$4,109/mo
Today · 4.125%
HK$138,196
baseline
▲ 0.50% · 4.625%
HK$146,605
+HK$8,409/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$276,392/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,731,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,670
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$148,550
−HK$3,936/mo
Today · 4.125%
HK$152,486
baseline
▲ 0.50% · 4.625%
HK$160,524
+HK$8,038/mo
Deposit HK$12.22M · loan HK$28.51M · min. income ≈ HK$304,972/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,731,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,196
−HK$10,485/mo
▼ 0.25% · 3.875%
HK$172,397
−HK$5,284/mo
Today · 4.125%
HK$177,681
baseline
▲ 0.50% · 4.625%
HK$188,492
+HK$10,811/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$355,362/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,731,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,004
−HK$10,049/mo
▼ 0.25% · 3.875%
HK$190,993
−HK$5,060/mo
Today · 4.125%
HK$196,053
baseline
▲ 0.50% · 4.625%
HK$206,388
+HK$10,335/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$392,106/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,731,249 · Scale 2, in force from 26 Feb 2026)