LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,656
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,538
−HK$2,928/mo
Today · 4.125%
HK$98,466
baseline
▲ 0.50% · 4.625%
HK$104,458
+HK$5,992/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$196,932/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,079
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,843
−HK$2,805/mo
Today · 4.125%
HK$108,648
baseline
▲ 0.50% · 4.625%
HK$114,375
+HK$5,727/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$217,296/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,187
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$114,646
−HK$3,514/mo
Today · 4.125%
HK$118,160
baseline
▲ 0.50% · 4.625%
HK$125,349
+HK$7,189/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$236,320/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,695
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$127,012
−HK$3,366/mo
Today · 4.125%
HK$130,378
baseline
▲ 0.50% · 4.625%
HK$137,250
+HK$6,872/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$260,756/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,718
−HK$8,135/mo
▼ 0.25% · 3.875%
HK$133,753
−HK$4,100/mo
Today · 4.125%
HK$137,853
baseline
▲ 0.50% · 4.625%
HK$146,241
+HK$8,388/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$275,706/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,726,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,310
−HK$7,797/mo
▼ 0.25% · 3.875%
HK$148,181
−HK$3,926/mo
Today · 4.125%
HK$152,107
baseline
▲ 0.50% · 4.625%
HK$160,125
+HK$8,018/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$304,214/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,726,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,781
−HK$10,459/mo
▼ 0.25% · 3.875%
HK$171,969
−HK$5,271/mo
Today · 4.125%
HK$177,240
baseline
▲ 0.50% · 4.625%
HK$188,024
+HK$10,784/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$354,480/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,542
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$190,518
−HK$5,048/mo
Today · 4.125%
HK$195,566
baseline
▲ 0.50% · 4.625%
HK$205,875
+HK$10,309/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$391,132/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,947 · Scale 2, in force from 26 Feb 2026)