LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,945
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,836
−HK$2,937/mo
Today · 4.125%
HK$98,773
baseline
▲ 0.50% · 4.625%
HK$104,783
+HK$6,010/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,546/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,400
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,173
−HK$2,813/mo
Today · 4.125%
HK$108,986
baseline
▲ 0.50% · 4.625%
HK$114,731
+HK$5,745/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$217,972/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,534
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$115,003
−HK$3,525/mo
Today · 4.125%
HK$118,528
baseline
▲ 0.50% · 4.625%
HK$125,740
+HK$7,212/mo
Deposit HK$16.30M · loan HK$24.46M · min. income ≈ HK$237,056/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,080
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,408
−HK$3,376/mo
Today · 4.125%
HK$130,784
baseline
▲ 0.50% · 4.625%
HK$137,678
+HK$6,894/mo
Deposit HK$16.30M · loan HK$24.46M · min. income ≈ HK$261,568/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,123
−HK$8,159/mo
▼ 0.25% · 3.875%
HK$134,170
−HK$4,112/mo
Today · 4.125%
HK$138,282
baseline
▲ 0.50% · 4.625%
HK$146,697
+HK$8,415/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$276,564/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,760
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$148,643
−HK$3,938/mo
Today · 4.125%
HK$152,581
baseline
▲ 0.50% · 4.625%
HK$160,624
+HK$8,043/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$305,162/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,301
−HK$10,491/mo
▼ 0.25% · 3.875%
HK$172,505
−HK$5,287/mo
Today · 4.125%
HK$177,792
baseline
▲ 0.50% · 4.625%
HK$188,610
+HK$10,818/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$355,584/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,120
−HK$10,056/mo
▼ 0.25% · 3.875%
HK$191,112
−HK$5,064/mo
Today · 4.125%
HK$196,176
baseline
▲ 0.50% · 4.625%
HK$206,516
+HK$10,340/mo
Deposit HK$4.08M · loan HK$36.68M · min. income ≈ HK$392,352/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,328 · Scale 2, in force from 26 Feb 2026)