LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,200
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$96,099
−HK$2,945/mo
Today · 4.125%
HK$99,044
baseline
▲ 0.50% · 4.625%
HK$105,071
+HK$6,027/mo
Deposit HK$20.44M · loan HK$20.44M · min. income ≈ HK$198,088/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,737,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,684
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$106,465
−HK$2,820/mo
Today · 4.125%
HK$109,285
baseline
▲ 0.50% · 4.625%
HK$115,046
+HK$5,761/mo
Deposit HK$20.44M · loan HK$20.44M · min. income ≈ HK$218,570/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,737,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,840
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$115,319
−HK$3,534/mo
Today · 4.125%
HK$118,853
baseline
▲ 0.50% · 4.625%
HK$126,085
+HK$7,232/mo
Deposit HK$16.35M · loan HK$24.52M · min. income ≈ HK$237,706/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,737,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,421
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$127,757
−HK$3,386/mo
Today · 4.125%
HK$131,143
baseline
▲ 0.50% · 4.625%
HK$138,055
+HK$6,912/mo
Deposit HK$16.35M · loan HK$24.52M · min. income ≈ HK$262,286/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,737,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,480
−HK$8,182/mo
▼ 0.25% · 3.875%
HK$134,538
−HK$4,124/mo
Today · 4.125%
HK$138,662
baseline
▲ 0.50% · 4.625%
HK$147,099
+HK$8,437/mo
Deposit HK$12.26M · loan HK$28.61M · min. income ≈ HK$277,324/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,737,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,157
−HK$7,843/mo
▼ 0.25% · 3.875%
HK$149,050
−HK$3,950/mo
Today · 4.125%
HK$153,000
baseline
▲ 0.50% · 4.625%
HK$161,065
+HK$8,065/mo
Deposit HK$12.26M · loan HK$28.61M · min. income ≈ HK$306,000/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,737,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,760
−HK$10,520/mo
▼ 0.25% · 3.875%
HK$172,978
−HK$5,302/mo
Today · 4.125%
HK$178,280
baseline
▲ 0.50% · 4.625%
HK$189,127
+HK$10,847/mo
Deposit HK$4.09M · loan HK$36.79M · min. income ≈ HK$356,560/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,737,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,631
−HK$10,083/mo
▼ 0.25% · 3.875%
HK$191,636
−HK$5,078/mo
Today · 4.125%
HK$196,714
baseline
▲ 0.50% · 4.625%
HK$207,083
+HK$10,369/mo
Deposit HK$4.09M · loan HK$36.79M · min. income ≈ HK$393,428/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,737,081 · Scale 2, in force from 26 Feb 2026)