LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,942
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,833
−HK$2,937/mo
Today · 4.125%
HK$98,770
baseline
▲ 0.50% · 4.625%
HK$104,780
+HK$6,010/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,540/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,397
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,170
−HK$2,813/mo
Today · 4.125%
HK$108,983
baseline
▲ 0.50% · 4.625%
HK$114,728
+HK$5,745/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$217,966/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,530
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$115,000
−HK$3,524/mo
Today · 4.125%
HK$118,524
baseline
▲ 0.50% · 4.625%
HK$125,736
+HK$7,212/mo
Deposit HK$16.30M · loan HK$24.46M · min. income ≈ HK$237,048/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,076
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,404
−HK$3,376/mo
Today · 4.125%
HK$130,780
baseline
▲ 0.50% · 4.625%
HK$137,674
+HK$6,894/mo
Deposit HK$16.30M · loan HK$24.46M · min. income ≈ HK$261,560/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,119
−HK$8,159/mo
▼ 0.25% · 3.875%
HK$134,166
−HK$4,112/mo
Today · 4.125%
HK$138,278
baseline
▲ 0.50% · 4.625%
HK$146,692
+HK$8,414/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$276,556/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,756
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$148,638
−HK$3,939/mo
Today · 4.125%
HK$152,577
baseline
▲ 0.50% · 4.625%
HK$160,619
+HK$8,042/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$305,154/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,296
−HK$10,491/mo
▼ 0.25% · 3.875%
HK$172,499
−HK$5,288/mo
Today · 4.125%
HK$177,787
baseline
▲ 0.50% · 4.625%
HK$188,604
+HK$10,817/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$355,574/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,115
−HK$10,055/mo
▼ 0.25% · 3.875%
HK$191,106
−HK$5,064/mo
Today · 4.125%
HK$196,170
baseline
▲ 0.50% · 4.625%
HK$206,510
+HK$10,340/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$392,340/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,277 · Scale 2, in force from 26 Feb 2026)