LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,623
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,504
−HK$2,927/mo
Today · 4.125%
HK$98,431
baseline
▲ 0.50% · 4.625%
HK$104,421
+HK$5,990/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,862/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,042
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,806
−HK$2,803/mo
Today · 4.125%
HK$108,609
baseline
▲ 0.50% · 4.625%
HK$114,334
+HK$5,725/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,218/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,148
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$114,605
−HK$3,513/mo
Today · 4.125%
HK$118,118
baseline
▲ 0.50% · 4.625%
HK$125,305
+HK$7,187/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$236,236/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,651
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$126,967
−HK$3,364/mo
Today · 4.125%
HK$130,331
baseline
▲ 0.50% · 4.625%
HK$137,201
+HK$6,870/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$260,662/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,672
−HK$8,132/mo
▼ 0.25% · 3.875%
HK$133,706
−HK$4,098/mo
Today · 4.125%
HK$137,804
baseline
▲ 0.50% · 4.625%
HK$146,189
+HK$8,385/mo
Deposit HK$12.19M · loan HK$28.43M · min. income ≈ HK$275,608/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,259
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$148,128
−HK$3,925/mo
Today · 4.125%
HK$152,053
baseline
▲ 0.50% · 4.625%
HK$160,068
+HK$8,015/mo
Deposit HK$12.19M · loan HK$28.43M · min. income ≈ HK$304,106/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,722
−HK$10,455/mo
▼ 0.25% · 3.875%
HK$171,908
−HK$5,269/mo
Today · 4.125%
HK$177,177
baseline
▲ 0.50% · 4.625%
HK$187,957
+HK$10,780/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$354,354/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,476
−HK$10,021/mo
▼ 0.25% · 3.875%
HK$190,451
−HK$5,046/mo
Today · 4.125%
HK$195,497
baseline
▲ 0.50% · 4.625%
HK$205,802
+HK$10,305/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$390,994/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,334 · Scale 2, in force from 26 Feb 2026)