LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,140
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,037
−HK$2,943/mo
Today · 4.125%
HK$98,980
baseline
▲ 0.50% · 4.625%
HK$105,003
+HK$6,023/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$197,960/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$1,735,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,617
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,396
−HK$2,819/mo
Today · 4.125%
HK$109,215
baseline
▲ 0.50% · 4.625%
HK$114,972
+HK$5,757/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$218,430/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$1,735,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,768
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$115,244
−HK$3,532/mo
Today · 4.125%
HK$118,776
baseline
▲ 0.50% · 4.625%
HK$126,004
+HK$7,228/mo
Deposit HK$16.34M · loan HK$24.51M · min. income ≈ HK$237,552/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,340
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$127,675
−HK$3,383/mo
Today · 4.125%
HK$131,058
baseline
▲ 0.50% · 4.625%
HK$137,966
+HK$6,908/mo
Deposit HK$16.34M · loan HK$24.51M · min. income ≈ HK$262,116/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,395
−HK$8,177/mo
▼ 0.25% · 3.875%
HK$134,452
−HK$4,120/mo
Today · 4.125%
HK$138,572
baseline
▲ 0.50% · 4.625%
HK$147,004
+HK$8,432/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$277,144/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,735,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,064
−HK$7,837/mo
▼ 0.25% · 3.875%
HK$148,954
−HK$3,947/mo
Today · 4.125%
HK$152,901
baseline
▲ 0.50% · 4.625%
HK$160,961
+HK$8,060/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$305,802/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,735,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,651
−HK$10,514/mo
▼ 0.25% · 3.875%
HK$172,866
−HK$5,299/mo
Today · 4.125%
HK$178,165
baseline
▲ 0.50% · 4.625%
HK$189,005
+HK$10,840/mo
Deposit HK$4.08M · loan HK$36.76M · min. income ≈ HK$356,330/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,510
−HK$10,077/mo
▼ 0.25% · 3.875%
HK$191,513
−HK$5,074/mo
Today · 4.125%
HK$196,587
baseline
▲ 0.50% · 4.625%
HK$206,949
+HK$10,362/mo
Deposit HK$4.08M · loan HK$36.76M · min. income ≈ HK$393,174/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,960 · Scale 2, in force from 26 Feb 2026)