LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,605
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,485
−HK$2,927/mo
Today · 4.125%
HK$98,412
baseline
▲ 0.50% · 4.625%
HK$104,400
+HK$5,988/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,824/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,022
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,785
−HK$2,803/mo
Today · 4.125%
HK$108,588
baseline
▲ 0.50% · 4.625%
HK$114,312
+HK$5,724/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,176/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,126
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$114,582
−HK$3,512/mo
Today · 4.125%
HK$118,094
baseline
▲ 0.50% · 4.625%
HK$125,280
+HK$7,186/mo
Deposit HK$16.24M · loan HK$24.37M · min. income ≈ HK$236,188/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,626
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,942
−HK$3,363/mo
Today · 4.125%
HK$130,305
baseline
▲ 0.50% · 4.625%
HK$137,174
+HK$6,869/mo
Deposit HK$16.24M · loan HK$24.37M · min. income ≈ HK$260,610/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,647
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$133,680
−HK$4,097/mo
Today · 4.125%
HK$137,777
baseline
▲ 0.50% · 4.625%
HK$146,160
+HK$8,383/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$275,554/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,231
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$148,099
−HK$3,924/mo
Today · 4.125%
HK$152,023
baseline
▲ 0.50% · 4.625%
HK$160,036
+HK$8,013/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$304,046/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,689
−HK$10,453/mo
▼ 0.25% · 3.875%
HK$171,874
−HK$5,268/mo
Today · 4.125%
HK$177,142
baseline
▲ 0.50% · 4.625%
HK$187,920
+HK$10,778/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$354,284/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,439
−HK$10,019/mo
▼ 0.25% · 3.875%
HK$190,413
−HK$5,045/mo
Today · 4.125%
HK$195,458
baseline
▲ 0.50% · 4.625%
HK$205,761
+HK$10,303/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$390,916/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,993 · Scale 2, in force from 26 Feb 2026)