LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,923
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,813
−HK$2,937/mo
Today · 4.125%
HK$98,750
baseline
▲ 0.50% · 4.625%
HK$104,759
+HK$6,009/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,500/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,731,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,376
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,148
−HK$2,813/mo
Today · 4.125%
HK$108,961
baseline
▲ 0.50% · 4.625%
HK$114,704
+HK$5,743/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$217,922/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,731,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,507
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,976
−HK$3,524/mo
Today · 4.125%
HK$118,500
baseline
▲ 0.50% · 4.625%
HK$125,710
+HK$7,210/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$237,000/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,051
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$127,378
−HK$3,375/mo
Today · 4.125%
HK$130,753
baseline
▲ 0.50% · 4.625%
HK$137,645
+HK$6,892/mo
Deposit HK$16.30M · loan HK$24.45M · min. income ≈ HK$261,506/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$1,731,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,092
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$134,139
−HK$4,111/mo
Today · 4.125%
HK$138,250
baseline
▲ 0.50% · 4.625%
HK$146,662
+HK$8,412/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$276,500/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,731,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,726
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$148,607
−HK$3,938/mo
Today · 4.125%
HK$152,545
baseline
▲ 0.50% · 4.625%
HK$160,586
+HK$8,041/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$305,090/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,731,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,261
−HK$10,489/mo
▼ 0.25% · 3.875%
HK$172,464
−HK$5,286/mo
Today · 4.125%
HK$177,750
baseline
▲ 0.50% · 4.625%
HK$188,566
+HK$10,816/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$355,500/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,731,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,076
−HK$10,053/mo
▼ 0.25% · 3.875%
HK$191,067
−HK$5,062/mo
Today · 4.125%
HK$196,129
baseline
▲ 0.50% · 4.625%
HK$206,468
+HK$10,339/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$392,258/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,731,920 · Scale 2, in force from 26 Feb 2026)