LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,005
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,898
−HK$2,940/mo
Today · 4.125%
HK$98,838
baseline
▲ 0.50% · 4.625%
HK$104,852
+HK$6,014/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,676/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,467
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,242
−HK$2,815/mo
Today · 4.125%
HK$109,057
baseline
▲ 0.50% · 4.625%
HK$114,806
+HK$5,749/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,114/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,606
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,078
−HK$3,527/mo
Today · 4.125%
HK$118,605
baseline
▲ 0.50% · 4.625%
HK$125,822
+HK$7,217/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$237,210/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,161
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$127,491
−HK$3,378/mo
Today · 4.125%
HK$130,869
baseline
▲ 0.50% · 4.625%
HK$137,767
+HK$6,898/mo
Deposit HK$16.31M · loan HK$24.47M · min. income ≈ HK$261,738/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,207
−HK$8,166/mo
▼ 0.25% · 3.875%
HK$134,258
−HK$4,115/mo
Today · 4.125%
HK$138,373
baseline
▲ 0.50% · 4.625%
HK$146,792
+HK$8,419/mo
Deposit HK$12.24M · loan HK$28.55M · min. income ≈ HK$276,746/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,854
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$148,739
−HK$3,941/mo
Today · 4.125%
HK$152,680
baseline
▲ 0.50% · 4.625%
HK$160,728
+HK$8,048/mo
Deposit HK$12.24M · loan HK$28.55M · min. income ≈ HK$305,360/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,410
−HK$10,498/mo
▼ 0.25% · 3.875%
HK$172,617
−HK$5,291/mo
Today · 4.125%
HK$177,908
baseline
▲ 0.50% · 4.625%
HK$188,733
+HK$10,825/mo
Deposit HK$4.08M · loan HK$36.71M · min. income ≈ HK$355,816/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,241
−HK$10,062/mo
▼ 0.25% · 3.875%
HK$191,236
−HK$5,067/mo
Today · 4.125%
HK$196,303
baseline
▲ 0.50% · 4.625%
HK$206,651
+HK$10,348/mo
Deposit HK$4.08M · loan HK$36.71M · min. income ≈ HK$392,606/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,457 · Scale 2, in force from 26 Feb 2026)