LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,645
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,527
−HK$2,928/mo
Today · 4.125%
HK$98,455
baseline
▲ 0.50% · 4.625%
HK$104,446
+HK$5,991/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,910/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,067
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,831
−HK$2,805/mo
Today · 4.125%
HK$108,636
baseline
▲ 0.50% · 4.625%
HK$114,362
+HK$5,726/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,272/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,175
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$114,633
−HK$3,513/mo
Today · 4.125%
HK$118,146
baseline
▲ 0.50% · 4.625%
HK$125,335
+HK$7,189/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$236,292/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,681
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$126,998
−HK$3,365/mo
Today · 4.125%
HK$130,363
baseline
▲ 0.50% · 4.625%
HK$137,234
+HK$6,871/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$260,726/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,704
−HK$8,133/mo
▼ 0.25% · 3.875%
HK$133,738
−HK$4,099/mo
Today · 4.125%
HK$137,837
baseline
▲ 0.50% · 4.625%
HK$146,224
+HK$8,387/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$275,674/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,726,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,294
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$148,164
−HK$3,926/mo
Today · 4.125%
HK$152,090
baseline
▲ 0.50% · 4.625%
HK$160,107
+HK$8,017/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$304,180/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,726,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,762
−HK$10,457/mo
▼ 0.25% · 3.875%
HK$171,949
−HK$5,270/mo
Today · 4.125%
HK$177,219
baseline
▲ 0.50% · 4.625%
HK$188,003
+HK$10,784/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$354,438/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,521
−HK$10,023/mo
▼ 0.25% · 3.875%
HK$190,496
−HK$5,048/mo
Today · 4.125%
HK$195,544
baseline
▲ 0.50% · 4.625%
HK$205,851
+HK$10,307/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$391,088/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,751 · Scale 2, in force from 26 Feb 2026)