LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,390
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,263
−HK$2,920/mo
Today · 4.125%
HK$98,183
baseline
▲ 0.50% · 4.625%
HK$104,157
+HK$5,974/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$196,366/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,721,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,782
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,539
−HK$2,796/mo
Today · 4.125%
HK$108,335
baseline
▲ 0.50% · 4.625%
HK$114,046
+HK$5,711/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$216,670/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,721,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,867
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$114,316
−HK$3,504/mo
Today · 4.125%
HK$117,820
baseline
▲ 0.50% · 4.625%
HK$124,989
+HK$7,169/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$235,640/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,721,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,339
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$126,647
−HK$3,355/mo
Today · 4.125%
HK$130,002
baseline
▲ 0.50% · 4.625%
HK$136,855
+HK$6,853/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$260,004/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,721,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,345
−HK$8,111/mo
▼ 0.25% · 3.875%
HK$133,369
−HK$4,087/mo
Today · 4.125%
HK$137,456
baseline
▲ 0.50% · 4.625%
HK$145,820
+HK$8,364/mo
Deposit HK$12.16M · loan HK$28.36M · min. income ≈ HK$274,912/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,721,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,895
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$147,755
−HK$3,915/mo
Today · 4.125%
HK$151,670
baseline
▲ 0.50% · 4.625%
HK$159,664
+HK$7,994/mo
Deposit HK$12.16M · loan HK$28.36M · min. income ≈ HK$303,340/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,721,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,301
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$171,474
−HK$5,256/mo
Today · 4.125%
HK$176,730
baseline
▲ 0.50% · 4.625%
HK$187,483
+HK$10,753/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$353,460/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,008
−HK$9,996/mo
▼ 0.25% · 3.875%
HK$189,970
−HK$5,034/mo
Today · 4.125%
HK$195,004
baseline
▲ 0.50% · 4.625%
HK$205,283
+HK$10,279/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$390,008/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,980 · Scale 2, in force from 26 Feb 2026)