LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,991
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,884
−HK$2,939/mo
Today · 4.125%
HK$98,823
baseline
▲ 0.50% · 4.625%
HK$104,836
+HK$6,013/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,646/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,733,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,452
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,226
−HK$2,815/mo
Today · 4.125%
HK$109,041
baseline
▲ 0.50% · 4.625%
HK$114,789
+HK$5,748/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,082/mo (50% DSR)
Upfront cash ≈ HK$22.12M (deposit + AVD stamp duty HK$1,733,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,589
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$115,061
−HK$3,526/mo
Today · 4.125%
HK$118,587
baseline
▲ 0.50% · 4.625%
HK$125,803
+HK$7,216/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$237,174/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,142
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$127,472
−HK$3,377/mo
Today · 4.125%
HK$130,849
baseline
▲ 0.50% · 4.625%
HK$137,746
+HK$6,897/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$261,698/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,188
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$134,237
−HK$4,115/mo
Today · 4.125%
HK$138,352
baseline
▲ 0.50% · 4.625%
HK$146,770
+HK$8,418/mo
Deposit HK$12.23M · loan HK$28.55M · min. income ≈ HK$276,704/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,833
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$148,717
−HK$3,940/mo
Today · 4.125%
HK$152,657
baseline
▲ 0.50% · 4.625%
HK$160,704
+HK$8,047/mo
Deposit HK$12.23M · loan HK$28.55M · min. income ≈ HK$305,314/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,384
−HK$10,497/mo
▼ 0.25% · 3.875%
HK$172,591
−HK$5,290/mo
Today · 4.125%
HK$177,881
baseline
▲ 0.50% · 4.625%
HK$188,704
+HK$10,823/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$355,762/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,213
−HK$10,061/mo
▼ 0.25% · 3.875%
HK$191,207
−HK$5,067/mo
Today · 4.125%
HK$196,274
baseline
▲ 0.50% · 4.625%
HK$206,620
+HK$10,346/mo
Deposit HK$4.08M · loan HK$36.70M · min. income ≈ HK$392,548/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,195 · Scale 2, in force from 26 Feb 2026)