LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,950
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,841
−HK$2,938/mo
Today · 4.125%
HK$98,779
baseline
▲ 0.50% · 4.625%
HK$104,789
+HK$6,010/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,558/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,406
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,179
−HK$2,814/mo
Today · 4.125%
HK$108,993
baseline
▲ 0.50% · 4.625%
HK$114,738
+HK$5,745/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$217,986/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$1,732,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,540
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,010
−HK$3,525/mo
Today · 4.125%
HK$118,535
baseline
▲ 0.50% · 4.625%
HK$125,747
+HK$7,212/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$237,070/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,087
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,415
−HK$3,376/mo
Today · 4.125%
HK$130,791
baseline
▲ 0.50% · 4.625%
HK$137,685
+HK$6,894/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$261,582/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,130
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$134,178
−HK$4,112/mo
Today · 4.125%
HK$138,290
baseline
▲ 0.50% · 4.625%
HK$146,705
+HK$8,415/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$276,580/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,768
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$148,651
−HK$3,939/mo
Today · 4.125%
HK$152,590
baseline
▲ 0.50% · 4.625%
HK$160,633
+HK$8,043/mo
Deposit HK$12.23M · loan HK$28.53M · min. income ≈ HK$305,180/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,310
−HK$10,492/mo
▼ 0.25% · 3.875%
HK$172,514
−HK$5,288/mo
Today · 4.125%
HK$177,802
baseline
▲ 0.50% · 4.625%
HK$188,621
+HK$10,819/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$355,604/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,131
−HK$10,056/mo
▼ 0.25% · 3.875%
HK$191,123
−HK$5,064/mo
Today · 4.125%
HK$196,187
baseline
▲ 0.50% · 4.625%
HK$206,528
+HK$10,341/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$392,374/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,426 · Scale 2, in force from 26 Feb 2026)