LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,970
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,862
−HK$2,938/mo
Today · 4.125%
HK$98,800
baseline
▲ 0.50% · 4.625%
HK$104,812
+HK$6,012/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,600/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,428
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,202
−HK$2,814/mo
Today · 4.125%
HK$109,016
baseline
▲ 0.50% · 4.625%
HK$114,762
+HK$5,746/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,032/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,564
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$115,034
−HK$3,526/mo
Today · 4.125%
HK$118,560
baseline
▲ 0.50% · 4.625%
HK$125,774
+HK$7,214/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$237,120/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,114
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,442
−HK$3,377/mo
Today · 4.125%
HK$130,819
baseline
▲ 0.50% · 4.625%
HK$137,715
+HK$6,896/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$261,638/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,158
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$134,206
−HK$4,114/mo
Today · 4.125%
HK$138,320
baseline
▲ 0.50% · 4.625%
HK$146,736
+HK$8,416/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$276,640/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,799
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$148,683
−HK$3,939/mo
Today · 4.125%
HK$152,622
baseline
▲ 0.50% · 4.625%
HK$160,667
+HK$8,045/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$305,244/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,346
−HK$10,494/mo
▼ 0.25% · 3.875%
HK$172,551
−HK$5,289/mo
Today · 4.125%
HK$177,840
baseline
▲ 0.50% · 4.625%
HK$188,661
+HK$10,821/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$355,680/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,171
−HK$10,058/mo
▼ 0.25% · 3.875%
HK$191,164
−HK$5,065/mo
Today · 4.125%
HK$196,229
baseline
▲ 0.50% · 4.625%
HK$206,572
+HK$10,343/mo
Deposit HK$4.08M · loan HK$36.69M · min. income ≈ HK$392,458/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,797 · Scale 2, in force from 26 Feb 2026)