LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,648
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,529
−HK$2,928/mo
Today · 4.125%
HK$98,457
baseline
▲ 0.50% · 4.625%
HK$104,448
+HK$5,991/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$196,914/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,069
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,834
−HK$2,804/mo
Today · 4.125%
HK$108,638
baseline
▲ 0.50% · 4.625%
HK$114,364
+HK$5,726/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$217,276/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,177
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$114,635
−HK$3,514/mo
Today · 4.125%
HK$118,149
baseline
▲ 0.50% · 4.625%
HK$125,338
+HK$7,189/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$236,298/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,683
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$127,000
−HK$3,366/mo
Today · 4.125%
HK$130,366
baseline
▲ 0.50% · 4.625%
HK$137,237
+HK$6,871/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$260,732/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,707
−HK$8,133/mo
▼ 0.25% · 3.875%
HK$133,741
−HK$4,099/mo
Today · 4.125%
HK$137,840
baseline
▲ 0.50% · 4.625%
HK$146,228
+HK$8,388/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$275,680/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,726,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,297
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$148,167
−HK$3,926/mo
Today · 4.125%
HK$152,093
baseline
▲ 0.50% · 4.625%
HK$160,110
+HK$8,017/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$304,186/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,726,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,766
−HK$10,457/mo
▼ 0.25% · 3.875%
HK$171,953
−HK$5,270/mo
Today · 4.125%
HK$177,223
baseline
▲ 0.50% · 4.625%
HK$188,007
+HK$10,784/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$354,446/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,525
−HK$10,023/mo
▼ 0.25% · 3.875%
HK$190,501
−HK$5,047/mo
Today · 4.125%
HK$195,548
baseline
▲ 0.50% · 4.625%
HK$205,856
+HK$10,308/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$391,096/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,788 · Scale 2, in force from 26 Feb 2026)