LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,644
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,526
−HK$2,928/mo
Today · 4.125%
HK$98,454
baseline
▲ 0.50% · 4.625%
HK$104,444
+HK$5,990/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,908/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,066
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,830
−HK$2,804/mo
Today · 4.125%
HK$108,634
baseline
▲ 0.50% · 4.625%
HK$114,360
+HK$5,726/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,268/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,173
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$114,631
−HK$3,513/mo
Today · 4.125%
HK$118,144
baseline
▲ 0.50% · 4.625%
HK$125,333
+HK$7,189/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$236,288/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,679
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$126,996
−HK$3,365/mo
Today · 4.125%
HK$130,361
baseline
▲ 0.50% · 4.625%
HK$137,232
+HK$6,871/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$260,722/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,702
−HK$8,133/mo
▼ 0.25% · 3.875%
HK$133,736
−HK$4,099/mo
Today · 4.125%
HK$137,835
baseline
▲ 0.50% · 4.625%
HK$146,222
+HK$8,387/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$275,670/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,726,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,292
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$148,162
−HK$3,926/mo
Today · 4.125%
HK$152,088
baseline
▲ 0.50% · 4.625%
HK$160,104
+HK$8,016/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$304,176/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,726,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,759
−HK$10,458/mo
▼ 0.25% · 3.875%
HK$171,947
−HK$5,270/mo
Today · 4.125%
HK$177,217
baseline
▲ 0.50% · 4.625%
HK$188,000
+HK$10,783/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$354,434/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,518
−HK$10,023/mo
▼ 0.25% · 3.875%
HK$190,494
−HK$5,047/mo
Today · 4.125%
HK$195,541
baseline
▲ 0.50% · 4.625%
HK$205,848
+HK$10,307/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$391,082/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,725 · Scale 2, in force from 26 Feb 2026)