LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,517
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,395
−HK$2,924/mo
Today · 4.125%
HK$98,319
baseline
▲ 0.50% · 4.625%
HK$104,301
+HK$5,982/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,638/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,924
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,685
−HK$2,800/mo
Today · 4.125%
HK$108,485
baseline
▲ 0.50% · 4.625%
HK$114,203
+HK$5,718/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$216,970/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,021
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,474
−HK$3,509/mo
Today · 4.125%
HK$117,983
baseline
▲ 0.50% · 4.625%
HK$125,162
+HK$7,179/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$235,966/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,509
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,822
−HK$3,360/mo
Today · 4.125%
HK$130,182
baseline
▲ 0.50% · 4.625%
HK$137,044
+HK$6,862/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$260,364/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,524
−HK$8,122/mo
▼ 0.25% · 3.875%
HK$133,553
−HK$4,093/mo
Today · 4.125%
HK$137,646
baseline
▲ 0.50% · 4.625%
HK$146,022
+HK$8,376/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$275,292/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,094
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$147,959
−HK$3,920/mo
Today · 4.125%
HK$151,879
baseline
▲ 0.50% · 4.625%
HK$159,885
+HK$8,006/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$303,758/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,531
−HK$10,443/mo
▼ 0.25% · 3.875%
HK$171,711
−HK$5,263/mo
Today · 4.125%
HK$176,974
baseline
▲ 0.50% · 4.625%
HK$187,742
+HK$10,768/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$353,948/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,264
−HK$10,009/mo
▼ 0.25% · 3.875%
HK$190,233
−HK$5,040/mo
Today · 4.125%
HK$195,273
baseline
▲ 0.50% · 4.625%
HK$205,566
+HK$10,293/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$390,546/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,359 · Scale 2, in force from 26 Feb 2026)