LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,918
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,808
−HK$2,937/mo
Today · 4.125%
HK$98,745
baseline
▲ 0.50% · 4.625%
HK$104,753
+HK$6,008/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$197,490/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,731,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,370
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,143
−HK$2,812/mo
Today · 4.125%
HK$108,955
baseline
▲ 0.50% · 4.625%
HK$114,698
+HK$5,743/mo
Deposit HK$20.37M · loan HK$20.37M · min. income ≈ HK$217,910/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,731,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,502
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$114,970
−HK$3,524/mo
Today · 4.125%
HK$118,494
baseline
▲ 0.50% · 4.625%
HK$125,704
+HK$7,210/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$236,988/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,044
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$127,371
−HK$3,375/mo
Today · 4.125%
HK$130,746
baseline
▲ 0.50% · 4.625%
HK$137,638
+HK$6,892/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$261,492/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,085
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$134,132
−HK$4,111/mo
Today · 4.125%
HK$138,243
baseline
▲ 0.50% · 4.625%
HK$146,655
+HK$8,412/mo
Deposit HK$12.22M · loan HK$28.52M · min. income ≈ HK$276,486/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,731,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,719
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$148,600
−HK$3,937/mo
Today · 4.125%
HK$152,537
baseline
▲ 0.50% · 4.625%
HK$160,578
+HK$8,041/mo
Deposit HK$12.22M · loan HK$28.52M · min. income ≈ HK$305,074/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,731,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,252
−HK$10,489/mo
▼ 0.25% · 3.875%
HK$172,455
−HK$5,286/mo
Today · 4.125%
HK$177,741
baseline
▲ 0.50% · 4.625%
HK$188,556
+HK$10,815/mo
Deposit HK$4.07M · loan HK$36.67M · min. income ≈ HK$355,482/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,731,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,067
−HK$10,052/mo
▼ 0.25% · 3.875%
HK$191,057
−HK$5,062/mo
Today · 4.125%
HK$196,119
baseline
▲ 0.50% · 4.625%
HK$206,457
+HK$10,338/mo
Deposit HK$4.07M · loan HK$36.67M · min. income ≈ HK$392,238/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,731,831 · Scale 2, in force from 26 Feb 2026)