LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,009
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,902
−HK$2,940/mo
Today · 4.125%
HK$98,842
baseline
▲ 0.50% · 4.625%
HK$104,856
+HK$6,014/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$197,684/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,472
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,247
−HK$2,815/mo
Today · 4.125%
HK$109,062
baseline
▲ 0.50% · 4.625%
HK$114,811
+HK$5,749/mo
Deposit HK$20.39M · loan HK$20.39M · min. income ≈ HK$218,124/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,611
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,083
−HK$3,527/mo
Today · 4.125%
HK$118,610
baseline
▲ 0.50% · 4.625%
HK$125,827
+HK$7,217/mo
Deposit HK$16.32M · loan HK$24.47M · min. income ≈ HK$237,220/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,166
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$127,496
−HK$3,379/mo
Today · 4.125%
HK$130,875
baseline
▲ 0.50% · 4.625%
HK$137,773
+HK$6,898/mo
Deposit HK$16.32M · loan HK$24.47M · min. income ≈ HK$261,750/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,213
−HK$8,166/mo
▼ 0.25% · 3.875%
HK$134,263
−HK$4,116/mo
Today · 4.125%
HK$138,379
baseline
▲ 0.50% · 4.625%
HK$146,799
+HK$8,420/mo
Deposit HK$12.24M · loan HK$28.55M · min. income ≈ HK$276,758/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,861
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$148,746
−HK$3,941/mo
Today · 4.125%
HK$152,687
baseline
▲ 0.50% · 4.625%
HK$160,735
+HK$8,048/mo
Deposit HK$12.24M · loan HK$28.55M · min. income ≈ HK$305,374/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,417
−HK$10,498/mo
▼ 0.25% · 3.875%
HK$172,624
−HK$5,291/mo
Today · 4.125%
HK$177,915
baseline
▲ 0.50% · 4.625%
HK$188,741
+HK$10,826/mo
Deposit HK$4.08M · loan HK$36.71M · min. income ≈ HK$355,830/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,249
−HK$10,063/mo
▼ 0.25% · 3.875%
HK$191,245
−HK$5,067/mo
Today · 4.125%
HK$196,312
baseline
▲ 0.50% · 4.625%
HK$206,660
+HK$10,348/mo
Deposit HK$4.08M · loan HK$36.71M · min. income ≈ HK$392,624/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,531 · Scale 2, in force from 26 Feb 2026)