LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,165
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$96,063
−HK$2,944/mo
Today · 4.125%
HK$99,007
baseline
▲ 0.50% · 4.625%
HK$105,032
+HK$6,025/mo
Deposit HK$20.43M · loan HK$20.43M · min. income ≈ HK$198,014/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,736,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,645
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,425
−HK$2,820/mo
Today · 4.125%
HK$109,245
baseline
▲ 0.50% · 4.625%
HK$115,003
+HK$5,758/mo
Deposit HK$20.43M · loan HK$20.43M · min. income ≈ HK$218,490/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,736,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,798
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,276
−HK$3,533/mo
Today · 4.125%
HK$118,809
baseline
▲ 0.50% · 4.625%
HK$126,038
+HK$7,229/mo
Deposit HK$16.34M · loan HK$24.51M · min. income ≈ HK$237,618/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,374
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$127,710
−HK$3,384/mo
Today · 4.125%
HK$131,094
baseline
▲ 0.50% · 4.625%
HK$138,004
+HK$6,910/mo
Deposit HK$16.34M · loan HK$24.51M · min. income ≈ HK$262,188/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,431
−HK$8,179/mo
▼ 0.25% · 3.875%
HK$134,488
−HK$4,122/mo
Today · 4.125%
HK$138,610
baseline
▲ 0.50% · 4.625%
HK$147,045
+HK$8,435/mo
Deposit HK$12.26M · loan HK$28.60M · min. income ≈ HK$277,220/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,736,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,104
−HK$7,839/mo
▼ 0.25% · 3.875%
HK$148,995
−HK$3,948/mo
Today · 4.125%
HK$152,943
baseline
▲ 0.50% · 4.625%
HK$161,005
+HK$8,062/mo
Deposit HK$12.26M · loan HK$28.60M · min. income ≈ HK$305,886/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,736,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,697
−HK$10,516/mo
▼ 0.25% · 3.875%
HK$172,914
−HK$5,299/mo
Today · 4.125%
HK$178,213
baseline
▲ 0.50% · 4.625%
HK$189,057
+HK$10,844/mo
Deposit HK$4.09M · loan HK$36.77M · min. income ≈ HK$356,426/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,562
−HK$10,079/mo
▼ 0.25% · 3.875%
HK$191,565
−HK$5,076/mo
Today · 4.125%
HK$196,641
baseline
▲ 0.50% · 4.625%
HK$207,006
+HK$10,365/mo
Deposit HK$4.09M · loan HK$36.77M · min. income ≈ HK$393,282/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,437 · Scale 2, in force from 26 Feb 2026)