LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,034
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,928
−HK$2,940/mo
Today · 4.125%
HK$98,868
baseline
▲ 0.50% · 4.625%
HK$104,884
+HK$6,016/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$197,736/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,499
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,275
−HK$2,816/mo
Today · 4.125%
HK$109,091
baseline
▲ 0.50% · 4.625%
HK$114,841
+HK$5,750/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$218,182/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,641
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$115,113
−HK$3,528/mo
Today · 4.125%
HK$118,641
baseline
▲ 0.50% · 4.625%
HK$125,861
+HK$7,220/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$237,282/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,199
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$127,530
−HK$3,379/mo
Today · 4.125%
HK$130,909
baseline
▲ 0.50% · 4.625%
HK$137,810
+HK$6,901/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$261,818/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,247
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$134,299
−HK$4,116/mo
Today · 4.125%
HK$138,415
baseline
▲ 0.50% · 4.625%
HK$146,837
+HK$8,422/mo
Deposit HK$12.24M · loan HK$28.56M · min. income ≈ HK$276,830/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,899
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$148,785
−HK$3,942/mo
Today · 4.125%
HK$152,727
baseline
▲ 0.50% · 4.625%
HK$160,778
+HK$8,051/mo
Deposit HK$12.24M · loan HK$28.56M · min. income ≈ HK$305,454/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,461
−HK$10,501/mo
▼ 0.25% · 3.875%
HK$172,670
−HK$5,292/mo
Today · 4.125%
HK$177,962
baseline
▲ 0.50% · 4.625%
HK$188,791
+HK$10,829/mo
Deposit HK$4.08M · loan HK$36.72M · min. income ≈ HK$355,924/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,299
−HK$10,065/mo
▼ 0.25% · 3.875%
HK$191,295
−HK$5,069/mo
Today · 4.125%
HK$196,364
baseline
▲ 0.50% · 4.625%
HK$206,714
+HK$10,350/mo
Deposit HK$4.08M · loan HK$36.72M · min. income ≈ HK$392,728/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,989 · Scale 2, in force from 26 Feb 2026)