LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,974
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,866
−HK$2,938/mo
Today · 4.125%
HK$98,804
baseline
▲ 0.50% · 4.625%
HK$104,817
+HK$6,013/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,608/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,433
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,207
−HK$2,814/mo
Today · 4.125%
HK$109,021
baseline
▲ 0.50% · 4.625%
HK$114,768
+HK$5,747/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,042/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,569
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$115,039
−HK$3,526/mo
Today · 4.125%
HK$118,565
baseline
▲ 0.50% · 4.625%
HK$125,780
+HK$7,215/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$237,130/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,119
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$127,448
−HK$3,377/mo
Today · 4.125%
HK$130,825
baseline
▲ 0.50% · 4.625%
HK$137,721
+HK$6,896/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$261,650/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,164
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$134,213
−HK$4,113/mo
Today · 4.125%
HK$138,326
baseline
▲ 0.50% · 4.625%
HK$146,743
+HK$8,417/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$276,652/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,806
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$148,690
−HK$3,939/mo
Today · 4.125%
HK$152,629
baseline
▲ 0.50% · 4.625%
HK$160,675
+HK$8,046/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$305,258/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,732,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,354
−HK$10,494/mo
▼ 0.25% · 3.875%
HK$172,559
−HK$5,289/mo
Today · 4.125%
HK$177,848
baseline
▲ 0.50% · 4.625%
HK$188,670
+HK$10,822/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$355,696/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,179
−HK$10,059/mo
▼ 0.25% · 3.875%
HK$191,172
−HK$5,066/mo
Today · 4.125%
HK$196,238
baseline
▲ 0.50% · 4.625%
HK$206,582
+HK$10,344/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$392,476/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,877 · Scale 2, in force from 26 Feb 2026)