LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,654
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,536
−HK$2,928/mo
Today · 4.125%
HK$98,464
baseline
▲ 0.50% · 4.625%
HK$104,455
+HK$5,991/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$196,928/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,076
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,841
−HK$2,804/mo
Today · 4.125%
HK$108,645
baseline
▲ 0.50% · 4.625%
HK$114,372
+HK$5,727/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$217,290/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,184
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$114,643
−HK$3,514/mo
Today · 4.125%
HK$118,157
baseline
▲ 0.50% · 4.625%
HK$125,346
+HK$7,189/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$236,314/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,692
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$127,009
−HK$3,365/mo
Today · 4.125%
HK$130,374
baseline
▲ 0.50% · 4.625%
HK$137,246
+HK$6,872/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$260,748/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,715
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$133,750
−HK$4,099/mo
Today · 4.125%
HK$137,849
baseline
▲ 0.50% · 4.625%
HK$146,237
+HK$8,388/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$275,698/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,726,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,307
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$148,177
−HK$3,926/mo
Today · 4.125%
HK$152,103
baseline
▲ 0.50% · 4.625%
HK$160,121
+HK$8,018/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$304,206/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,726,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,777
−HK$10,458/mo
▼ 0.25% · 3.875%
HK$171,964
−HK$5,271/mo
Today · 4.125%
HK$177,235
baseline
▲ 0.50% · 4.625%
HK$188,019
+HK$10,784/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$354,470/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,537
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$190,513
−HK$5,048/mo
Today · 4.125%
HK$195,561
baseline
▲ 0.50% · 4.625%
HK$205,870
+HK$10,309/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$391,122/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,904 · Scale 2, in force from 26 Feb 2026)