LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,003
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,896
−HK$2,939/mo
Today · 4.125%
HK$98,835
baseline
▲ 0.50% · 4.625%
HK$104,849
+HK$6,014/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,670/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,465
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,240
−HK$2,815/mo
Today · 4.125%
HK$109,055
baseline
▲ 0.50% · 4.625%
HK$114,803
+HK$5,748/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,110/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,603
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,075
−HK$3,527/mo
Today · 4.125%
HK$118,602
baseline
▲ 0.50% · 4.625%
HK$125,819
+HK$7,217/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$237,204/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,158
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$127,488
−HK$3,378/mo
Today · 4.125%
HK$130,866
baseline
▲ 0.50% · 4.625%
HK$137,764
+HK$6,898/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$261,732/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,204
−HK$8,165/mo
▼ 0.25% · 3.875%
HK$134,254
−HK$4,115/mo
Today · 4.125%
HK$138,369
baseline
▲ 0.50% · 4.625%
HK$146,788
+HK$8,419/mo
Deposit HK$12.24M · loan HK$28.55M · min. income ≈ HK$276,738/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,851
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$148,736
−HK$3,941/mo
Today · 4.125%
HK$152,677
baseline
▲ 0.50% · 4.625%
HK$160,724
+HK$8,047/mo
Deposit HK$12.24M · loan HK$28.55M · min. income ≈ HK$305,354/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,405
−HK$10,498/mo
▼ 0.25% · 3.875%
HK$172,612
−HK$5,291/mo
Today · 4.125%
HK$177,903
baseline
▲ 0.50% · 4.625%
HK$188,728
+HK$10,825/mo
Deposit HK$4.08M · loan HK$36.71M · min. income ≈ HK$355,806/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,237
−HK$10,061/mo
▼ 0.25% · 3.875%
HK$191,231
−HK$5,067/mo
Today · 4.125%
HK$196,298
baseline
▲ 0.50% · 4.625%
HK$206,646
+HK$10,348/mo
Deposit HK$4.08M · loan HK$36.71M · min. income ≈ HK$392,596/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,412 · Scale 2, in force from 26 Feb 2026)