LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,597
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,478
−HK$2,926/mo
Today · 4.125%
HK$98,404
baseline
▲ 0.50% · 4.625%
HK$104,392
+HK$5,988/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,808/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,014
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,776
−HK$2,803/mo
Today · 4.125%
HK$108,579
baseline
▲ 0.50% · 4.625%
HK$114,303
+HK$5,724/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,158/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,117
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$114,573
−HK$3,512/mo
Today · 4.125%
HK$118,085
baseline
▲ 0.50% · 4.625%
HK$125,270
+HK$7,185/mo
Deposit HK$16.24M · loan HK$24.37M · min. income ≈ HK$236,170/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,616
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,932
−HK$3,363/mo
Today · 4.125%
HK$130,295
baseline
▲ 0.50% · 4.625%
HK$137,163
+HK$6,868/mo
Deposit HK$16.24M · loan HK$24.37M · min. income ≈ HK$260,590/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,636
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$133,669
−HK$4,097/mo
Today · 4.125%
HK$137,766
baseline
▲ 0.50% · 4.625%
HK$146,148
+HK$8,382/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$275,532/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,219
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$148,087
−HK$3,924/mo
Today · 4.125%
HK$152,011
baseline
▲ 0.50% · 4.625%
HK$160,024
+HK$8,013/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$304,022/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,675
−HK$10,452/mo
▼ 0.25% · 3.875%
HK$171,860
−HK$5,267/mo
Today · 4.125%
HK$177,127
baseline
▲ 0.50% · 4.625%
HK$187,905
+HK$10,778/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$354,254/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,425
−HK$10,018/mo
▼ 0.25% · 3.875%
HK$190,398
−HK$5,045/mo
Today · 4.125%
HK$195,443
baseline
▲ 0.50% · 4.625%
HK$205,745
+HK$10,302/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$390,886/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,855 · Scale 2, in force from 26 Feb 2026)