LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,971
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,863
−HK$2,938/mo
Today · 4.125%
HK$98,801
baseline
▲ 0.50% · 4.625%
HK$104,813
+HK$6,012/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,602/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,430
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,204
−HK$2,814/mo
Today · 4.125%
HK$109,018
baseline
▲ 0.50% · 4.625%
HK$114,764
+HK$5,746/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,036/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,566
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$115,036
−HK$3,526/mo
Today · 4.125%
HK$118,562
baseline
▲ 0.50% · 4.625%
HK$125,776
+HK$7,214/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$237,124/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,116
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,444
−HK$3,377/mo
Today · 4.125%
HK$130,821
baseline
▲ 0.50% · 4.625%
HK$137,717
+HK$6,896/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$261,642/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,160
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$134,208
−HK$4,114/mo
Today · 4.125%
HK$138,322
baseline
▲ 0.50% · 4.625%
HK$146,739
+HK$8,417/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$276,644/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,801
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$148,685
−HK$3,940/mo
Today · 4.125%
HK$152,625
baseline
▲ 0.50% · 4.625%
HK$160,670
+HK$8,045/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$305,250/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,348
−HK$10,495/mo
▼ 0.25% · 3.875%
HK$172,554
−HK$5,289/mo
Today · 4.125%
HK$177,843
baseline
▲ 0.50% · 4.625%
HK$188,664
+HK$10,821/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$355,686/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,173
−HK$10,059/mo
▼ 0.25% · 3.875%
HK$191,166
−HK$5,066/mo
Today · 4.125%
HK$196,232
baseline
▲ 0.50% · 4.625%
HK$206,575
+HK$10,343/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$392,464/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,823 · Scale 2, in force from 26 Feb 2026)