LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,960
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,851
−HK$2,938/mo
Today · 4.125%
HK$98,789
baseline
▲ 0.50% · 4.625%
HK$104,800
+HK$6,011/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,578/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,417
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,190
−HK$2,814/mo
Today · 4.125%
HK$109,004
baseline
▲ 0.50% · 4.625%
HK$114,750
+HK$5,746/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$218,008/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,552
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,022
−HK$3,525/mo
Today · 4.125%
HK$118,547
baseline
▲ 0.50% · 4.625%
HK$125,760
+HK$7,213/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$237,094/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,100
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,428
−HK$3,377/mo
Today · 4.125%
HK$130,805
baseline
▲ 0.50% · 4.625%
HK$137,700
+HK$6,895/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$261,610/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,144
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$134,192
−HK$4,113/mo
Today · 4.125%
HK$138,305
baseline
▲ 0.50% · 4.625%
HK$146,720
+HK$8,415/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$276,610/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,783
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$148,666
−HK$3,940/mo
Today · 4.125%
HK$152,606
baseline
▲ 0.50% · 4.625%
HK$160,650
+HK$8,044/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$305,212/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,328
−HK$10,492/mo
▼ 0.25% · 3.875%
HK$172,532
−HK$5,288/mo
Today · 4.125%
HK$177,820
baseline
▲ 0.50% · 4.625%
HK$188,640
+HK$10,820/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$355,640/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,150
−HK$10,057/mo
▼ 0.25% · 3.875%
HK$191,143
−HK$5,064/mo
Today · 4.125%
HK$196,207
baseline
▲ 0.50% · 4.625%
HK$206,550
+HK$10,343/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$392,414/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,608 · Scale 2, in force from 26 Feb 2026)