LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,018
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,911
−HK$2,940/mo
Today · 4.125%
HK$98,851
baseline
▲ 0.50% · 4.625%
HK$104,866
+HK$6,015/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$197,702/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,482
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,257
−HK$2,815/mo
Today · 4.125%
HK$109,072
baseline
▲ 0.50% · 4.625%
HK$114,822
+HK$5,750/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$218,144/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,622
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,094
−HK$3,527/mo
Today · 4.125%
HK$118,621
baseline
▲ 0.50% · 4.625%
HK$125,839
+HK$7,218/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$237,242/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,178
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$127,508
−HK$3,379/mo
Today · 4.125%
HK$130,887
baseline
▲ 0.50% · 4.625%
HK$137,786
+HK$6,899/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$261,774/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,225
−HK$8,166/mo
▼ 0.25% · 3.875%
HK$134,276
−HK$4,115/mo
Today · 4.125%
HK$138,391
baseline
▲ 0.50% · 4.625%
HK$146,812
+HK$8,421/mo
Deposit HK$12.24M · loan HK$28.55M · min. income ≈ HK$276,782/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,874
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$148,760
−HK$3,941/mo
Today · 4.125%
HK$152,701
baseline
▲ 0.50% · 4.625%
HK$160,750
+HK$8,049/mo
Deposit HK$12.24M · loan HK$28.55M · min. income ≈ HK$305,402/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,432
−HK$10,500/mo
▼ 0.25% · 3.875%
HK$172,640
−HK$5,292/mo
Today · 4.125%
HK$177,932
baseline
▲ 0.50% · 4.625%
HK$188,759
+HK$10,827/mo
Deposit HK$4.08M · loan HK$36.71M · min. income ≈ HK$355,864/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,267
−HK$10,063/mo
▼ 0.25% · 3.875%
HK$191,262
−HK$5,068/mo
Today · 4.125%
HK$196,330
baseline
▲ 0.50% · 4.625%
HK$206,679
+HK$10,349/mo
Deposit HK$4.08M · loan HK$36.71M · min. income ≈ HK$392,660/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,693 · Scale 2, in force from 26 Feb 2026)