LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,619
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,499
−HK$2,928/mo
Today · 4.125%
HK$98,427
baseline
▲ 0.50% · 4.625%
HK$104,416
+HK$5,989/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,854/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,037
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,801
−HK$2,803/mo
Today · 4.125%
HK$108,604
baseline
▲ 0.50% · 4.625%
HK$114,329
+HK$5,725/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,208/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,142
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$114,599
−HK$3,513/mo
Today · 4.125%
HK$118,112
baseline
▲ 0.50% · 4.625%
HK$125,299
+HK$7,187/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$236,224/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,645
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$126,961
−HK$3,364/mo
Today · 4.125%
HK$130,325
baseline
▲ 0.50% · 4.625%
HK$137,194
+HK$6,869/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$260,650/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,666
−HK$8,131/mo
▼ 0.25% · 3.875%
HK$133,699
−HK$4,098/mo
Today · 4.125%
HK$137,797
baseline
▲ 0.50% · 4.625%
HK$146,182
+HK$8,385/mo
Deposit HK$12.19M · loan HK$28.43M · min. income ≈ HK$275,594/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,252
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$148,121
−HK$3,925/mo
Today · 4.125%
HK$152,046
baseline
▲ 0.50% · 4.625%
HK$160,060
+HK$8,014/mo
Deposit HK$12.19M · loan HK$28.43M · min. income ≈ HK$304,092/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,713
−HK$10,455/mo
▼ 0.25% · 3.875%
HK$171,899
−HK$5,269/mo
Today · 4.125%
HK$177,168
baseline
▲ 0.50% · 4.625%
HK$187,948
+HK$10,780/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$354,336/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,467
−HK$10,020/mo
▼ 0.25% · 3.875%
HK$190,441
−HK$5,046/mo
Today · 4.125%
HK$195,487
baseline
▲ 0.50% · 4.625%
HK$205,792
+HK$10,305/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$390,974/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,248 · Scale 2, in force from 26 Feb 2026)