LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,889
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,779
−HK$2,935/mo
Today · 4.125%
HK$98,714
baseline
▲ 0.50% · 4.625%
HK$104,721
+HK$6,007/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$197,428/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,339
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,110
−HK$2,812/mo
Today · 4.125%
HK$108,922
baseline
▲ 0.50% · 4.625%
HK$114,663
+HK$5,741/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$217,844/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,467
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$114,935
−HK$3,522/mo
Today · 4.125%
HK$118,457
baseline
▲ 0.50% · 4.625%
HK$125,665
+HK$7,208/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$236,914/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,006
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$127,332
−HK$3,374/mo
Today · 4.125%
HK$130,706
baseline
▲ 0.50% · 4.625%
HK$137,596
+HK$6,890/mo
Deposit HK$16.29M · loan HK$24.44M · min. income ≈ HK$261,412/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,045
−HK$8,155/mo
▼ 0.25% · 3.875%
HK$134,090
−HK$4,110/mo
Today · 4.125%
HK$138,200
baseline
▲ 0.50% · 4.625%
HK$146,609
+HK$8,409/mo
Deposit HK$12.22M · loan HK$28.52M · min. income ≈ HK$276,400/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,731,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,674
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$148,554
−HK$3,936/mo
Today · 4.125%
HK$152,490
baseline
▲ 0.50% · 4.625%
HK$160,528
+HK$8,038/mo
Deposit HK$12.22M · loan HK$28.52M · min. income ≈ HK$304,980/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,731,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,201
−HK$10,485/mo
▼ 0.25% · 3.875%
HK$172,402
−HK$5,284/mo
Today · 4.125%
HK$177,686
baseline
▲ 0.50% · 4.625%
HK$188,498
+HK$10,812/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$355,372/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,731,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,009
−HK$10,050/mo
▼ 0.25% · 3.875%
HK$190,998
−HK$5,061/mo
Today · 4.125%
HK$196,059
baseline
▲ 0.50% · 4.625%
HK$206,393
+HK$10,334/mo
Deposit HK$4.07M · loan HK$36.66M · min. income ≈ HK$392,118/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,731,298 · Scale 2, in force from 26 Feb 2026)