LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,627
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,508
−HK$2,927/mo
Today · 4.125%
HK$98,435
baseline
▲ 0.50% · 4.625%
HK$104,425
+HK$5,990/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,870/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,046
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,810
−HK$2,803/mo
Today · 4.125%
HK$108,613
baseline
▲ 0.50% · 4.625%
HK$114,339
+HK$5,726/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,226/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,152
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$114,609
−HK$3,513/mo
Today · 4.125%
HK$118,122
baseline
▲ 0.50% · 4.625%
HK$125,310
+HK$7,188/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$236,244/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,655
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$126,972
−HK$3,364/mo
Today · 4.125%
HK$130,336
baseline
▲ 0.50% · 4.625%
HK$137,206
+HK$6,870/mo
Deposit HK$16.25M · loan HK$24.37M · min. income ≈ HK$260,672/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,726,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,677
−HK$8,132/mo
▼ 0.25% · 3.875%
HK$133,711
−HK$4,098/mo
Today · 4.125%
HK$137,809
baseline
▲ 0.50% · 4.625%
HK$146,194
+HK$8,385/mo
Deposit HK$12.19M · loan HK$28.43M · min. income ≈ HK$275,618/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,265
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$148,134
−HK$3,925/mo
Today · 4.125%
HK$152,059
baseline
▲ 0.50% · 4.625%
HK$160,074
+HK$8,015/mo
Deposit HK$12.19M · loan HK$28.43M · min. income ≈ HK$304,118/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,728
−HK$10,455/mo
▼ 0.25% · 3.875%
HK$171,914
−HK$5,269/mo
Today · 4.125%
HK$177,183
baseline
▲ 0.50% · 4.625%
HK$187,964
+HK$10,781/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$354,366/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,483
−HK$10,021/mo
▼ 0.25% · 3.875%
HK$190,458
−HK$5,046/mo
Today · 4.125%
HK$195,504
baseline
▲ 0.50% · 4.625%
HK$205,809
+HK$10,305/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$391,008/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,398 · Scale 2, in force from 26 Feb 2026)