LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,103
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$95,999
−HK$2,943/mo
Today · 4.125%
HK$98,942
baseline
▲ 0.50% · 4.625%
HK$104,962
+HK$6,020/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$197,884/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,577
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$106,354
−HK$2,819/mo
Today · 4.125%
HK$109,173
baseline
▲ 0.50% · 4.625%
HK$114,927
+HK$5,754/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$218,346/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,724
−HK$7,006/mo
▼ 0.25% · 3.875%
HK$115,199
−HK$3,531/mo
Today · 4.125%
HK$118,730
baseline
▲ 0.50% · 4.625%
HK$125,955
+HK$7,225/mo
Deposit HK$16.33M · loan HK$24.50M · min. income ≈ HK$237,460/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,292
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$127,625
−HK$3,382/mo
Today · 4.125%
HK$131,007
baseline
▲ 0.50% · 4.625%
HK$137,913
+HK$6,906/mo
Deposit HK$16.33M · loan HK$24.50M · min. income ≈ HK$262,014/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,345
−HK$8,174/mo
▼ 0.25% · 3.875%
HK$134,399
−HK$4,120/mo
Today · 4.125%
HK$138,519
baseline
▲ 0.50% · 4.625%
HK$146,947
+HK$8,428/mo
Deposit HK$12.25M · loan HK$28.58M · min. income ≈ HK$277,038/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,735,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,007
−HK$7,835/mo
▼ 0.25% · 3.875%
HK$148,896
−HK$3,946/mo
Today · 4.125%
HK$152,842
baseline
▲ 0.50% · 4.625%
HK$160,898
+HK$8,056/mo
Deposit HK$12.25M · loan HK$28.58M · min. income ≈ HK$305,684/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,735,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,586
−HK$10,509/mo
▼ 0.25% · 3.875%
HK$172,799
−HK$5,296/mo
Today · 4.125%
HK$178,095
baseline
▲ 0.50% · 4.625%
HK$188,932
+HK$10,837/mo
Deposit HK$4.08M · loan HK$36.75M · min. income ≈ HK$356,190/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,438
−HK$10,073/mo
▼ 0.25% · 3.875%
HK$191,438
−HK$5,073/mo
Today · 4.125%
HK$196,511
baseline
▲ 0.50% · 4.625%
HK$206,869
+HK$10,358/mo
Deposit HK$4.08M · loan HK$36.75M · min. income ≈ HK$393,022/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,286 · Scale 2, in force from 26 Feb 2026)