LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,692
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,576
−HK$2,929/mo
Today · 4.125%
HK$98,505
baseline
▲ 0.50% · 4.625%
HK$104,499
+HK$5,994/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$197,010/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$1,727,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,119
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,885
−HK$2,805/mo
Today · 4.125%
HK$108,690
baseline
▲ 0.50% · 4.625%
HK$114,420
+HK$5,730/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$217,380/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$1,727,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,231
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,691
−HK$3,515/mo
Today · 4.125%
HK$118,206
baseline
▲ 0.50% · 4.625%
HK$125,398
+HK$7,192/mo
Deposit HK$16.26M · loan HK$24.39M · min. income ≈ HK$236,412/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,727,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,743
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$127,062
−HK$3,367/mo
Today · 4.125%
HK$130,429
baseline
▲ 0.50% · 4.625%
HK$137,304
+HK$6,875/mo
Deposit HK$16.26M · loan HK$24.39M · min. income ≈ HK$260,858/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,727,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,769
−HK$8,138/mo
▼ 0.25% · 3.875%
HK$133,806
−HK$4,101/mo
Today · 4.125%
HK$137,907
baseline
▲ 0.50% · 4.625%
HK$146,298
+HK$8,391/mo
Deposit HK$12.19M · loan HK$28.45M · min. income ≈ HK$275,814/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,727,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,367
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$148,239
−HK$3,928/mo
Today · 4.125%
HK$152,167
baseline
▲ 0.50% · 4.625%
HK$160,188
+HK$8,021/mo
Deposit HK$12.19M · loan HK$28.45M · min. income ≈ HK$304,334/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,727,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,846
−HK$10,463/mo
▼ 0.25% · 3.875%
HK$172,036
−HK$5,273/mo
Today · 4.125%
HK$177,309
baseline
▲ 0.50% · 4.625%
HK$188,098
+HK$10,789/mo
Deposit HK$4.06M · loan HK$36.58M · min. income ≈ HK$354,618/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,615
−HK$10,028/mo
▼ 0.25% · 3.875%
HK$190,593
−HK$5,050/mo
Today · 4.125%
HK$195,643
baseline
▲ 0.50% · 4.625%
HK$205,956
+HK$10,313/mo
Deposit HK$4.06M · loan HK$36.58M · min. income ≈ HK$391,286/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,624 · Scale 2, in force from 26 Feb 2026)