LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,910
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,800
−HK$2,936/mo
Today · 4.125%
HK$98,736
baseline
▲ 0.50% · 4.625%
HK$104,744
+HK$6,008/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$197,472/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,361
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,133
−HK$2,812/mo
Today · 4.125%
HK$108,945
baseline
▲ 0.50% · 4.625%
HK$114,688
+HK$5,743/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$217,890/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$1,731,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,491
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$114,959
−HK$3,524/mo
Today · 4.125%
HK$118,483
baseline
▲ 0.50% · 4.625%
HK$125,692
+HK$7,209/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$236,966/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,033
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$127,360
−HK$3,374/mo
Today · 4.125%
HK$130,734
baseline
▲ 0.50% · 4.625%
HK$137,625
+HK$6,891/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$261,468/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,073
−HK$8,157/mo
▼ 0.25% · 3.875%
HK$134,119
−HK$4,111/mo
Today · 4.125%
HK$138,230
baseline
▲ 0.50% · 4.625%
HK$146,641
+HK$8,411/mo
Deposit HK$12.22M · loan HK$28.52M · min. income ≈ HK$276,460/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,731,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,705
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$148,586
−HK$3,937/mo
Today · 4.125%
HK$152,523
baseline
▲ 0.50% · 4.625%
HK$160,563
+HK$8,040/mo
Deposit HK$12.22M · loan HK$28.52M · min. income ≈ HK$305,046/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,731,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,237
−HK$10,487/mo
▼ 0.25% · 3.875%
HK$172,439
−HK$5,285/mo
Today · 4.125%
HK$177,724
baseline
▲ 0.50% · 4.625%
HK$188,539
+HK$10,815/mo
Deposit HK$4.07M · loan HK$36.67M · min. income ≈ HK$355,448/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,731,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,050
−HK$10,051/mo
▼ 0.25% · 3.875%
HK$191,039
−HK$5,062/mo
Today · 4.125%
HK$196,101
baseline
▲ 0.50% · 4.625%
HK$206,438
+HK$10,337/mo
Deposit HK$4.07M · loan HK$36.67M · min. income ≈ HK$392,202/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,731,672 · Scale 2, in force from 26 Feb 2026)