LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,976
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,868
−HK$2,938/mo
Today · 4.125%
HK$98,806
baseline
▲ 0.50% · 4.625%
HK$104,818
+HK$6,012/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,612/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,434
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,208
−HK$2,815/mo
Today · 4.125%
HK$109,023
baseline
▲ 0.50% · 4.625%
HK$114,769
+HK$5,746/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,046/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,732,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,571
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$115,041
−HK$3,526/mo
Today · 4.125%
HK$118,567
baseline
▲ 0.50% · 4.625%
HK$125,782
+HK$7,215/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$237,134/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,121
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$127,450
−HK$3,377/mo
Today · 4.125%
HK$130,827
baseline
▲ 0.50% · 4.625%
HK$137,723
+HK$6,896/mo
Deposit HK$16.31M · loan HK$24.46M · min. income ≈ HK$261,654/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,732,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,166
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$134,215
−HK$4,113/mo
Today · 4.125%
HK$138,328
baseline
▲ 0.50% · 4.625%
HK$146,745
+HK$8,417/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$276,656/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,732,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,808
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$148,692
−HK$3,940/mo
Today · 4.125%
HK$152,632
baseline
▲ 0.50% · 4.625%
HK$160,677
+HK$8,045/mo
Deposit HK$12.23M · loan HK$28.54M · min. income ≈ HK$305,264/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,732,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,356
−HK$10,495/mo
▼ 0.25% · 3.875%
HK$172,562
−HK$5,289/mo
Today · 4.125%
HK$177,851
baseline
▲ 0.50% · 4.625%
HK$188,673
+HK$10,822/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$355,702/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,182
−HK$10,059/mo
▼ 0.25% · 3.875%
HK$191,175
−HK$5,066/mo
Today · 4.125%
HK$196,241
baseline
▲ 0.50% · 4.625%
HK$206,585
+HK$10,344/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$392,482/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,732,904 · Scale 2, in force from 26 Feb 2026)