LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,685
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,568
−HK$2,930/mo
Today · 4.125%
HK$98,498
baseline
▲ 0.50% · 4.625%
HK$104,491
+HK$5,993/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$196,996/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$1,727,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,112
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,877
−HK$2,805/mo
Today · 4.125%
HK$108,682
baseline
▲ 0.50% · 4.625%
HK$114,411
+HK$5,729/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$217,364/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$1,727,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,222
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,682
−HK$3,515/mo
Today · 4.125%
HK$118,197
baseline
▲ 0.50% · 4.625%
HK$125,389
+HK$7,192/mo
Deposit HK$16.26M · loan HK$24.39M · min. income ≈ HK$236,394/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,727,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,734
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$127,052
−HK$3,367/mo
Today · 4.125%
HK$130,419
baseline
▲ 0.50% · 4.625%
HK$137,293
+HK$6,874/mo
Deposit HK$16.26M · loan HK$24.39M · min. income ≈ HK$260,838/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,727,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,760
−HK$8,137/mo
▼ 0.25% · 3.875%
HK$133,796
−HK$4,101/mo
Today · 4.125%
HK$137,897
baseline
▲ 0.50% · 4.625%
HK$146,287
+HK$8,390/mo
Deposit HK$12.19M · loan HK$28.45M · min. income ≈ HK$275,794/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,727,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,356
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$148,228
−HK$3,927/mo
Today · 4.125%
HK$152,155
baseline
▲ 0.50% · 4.625%
HK$160,176
+HK$8,021/mo
Deposit HK$12.19M · loan HK$28.45M · min. income ≈ HK$304,310/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,727,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,834
−HK$10,462/mo
▼ 0.25% · 3.875%
HK$172,023
−HK$5,273/mo
Today · 4.125%
HK$177,296
baseline
▲ 0.50% · 4.625%
HK$188,084
+HK$10,788/mo
Deposit HK$4.06M · loan HK$36.58M · min. income ≈ HK$354,592/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,601
−HK$10,027/mo
▼ 0.25% · 3.875%
HK$190,579
−HK$5,049/mo
Today · 4.125%
HK$195,628
baseline
▲ 0.50% · 4.625%
HK$205,940
+HK$10,312/mo
Deposit HK$4.06M · loan HK$36.58M · min. income ≈ HK$391,256/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,494 · Scale 2, in force from 26 Feb 2026)