LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,962
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,853
−HK$2,938/mo
Today · 4.125%
HK$98,791
baseline
▲ 0.50% · 4.625%
HK$104,802
+HK$6,011/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$197,582/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,419
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,192
−HK$2,814/mo
Today · 4.125%
HK$109,006
baseline
▲ 0.50% · 4.625%
HK$114,752
+HK$5,746/mo
Deposit HK$20.38M · loan HK$20.38M · min. income ≈ HK$218,012/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,554
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,024
−HK$3,525/mo
Today · 4.125%
HK$118,549
baseline
▲ 0.50% · 4.625%
HK$125,763
+HK$7,214/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$237,098/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,103
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,431
−HK$3,376/mo
Today · 4.125%
HK$130,807
baseline
▲ 0.50% · 4.625%
HK$137,703
+HK$6,896/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$261,614/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,146
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$134,195
−HK$4,113/mo
Today · 4.125%
HK$138,308
baseline
▲ 0.50% · 4.625%
HK$146,723
+HK$8,415/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$276,616/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,786
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$148,669
−HK$3,940/mo
Today · 4.125%
HK$152,609
baseline
▲ 0.50% · 4.625%
HK$160,653
+HK$8,044/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$305,218/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,331
−HK$10,493/mo
▼ 0.25% · 3.875%
HK$172,536
−HK$5,288/mo
Today · 4.125%
HK$177,824
baseline
▲ 0.50% · 4.625%
HK$188,644
+HK$10,820/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$355,648/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,154
−HK$10,057/mo
▼ 0.25% · 3.875%
HK$191,146
−HK$5,065/mo
Today · 4.125%
HK$196,211
baseline
▲ 0.50% · 4.625%
HK$206,554
+HK$10,343/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$392,422/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,642 · Scale 2, in force from 26 Feb 2026)