LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,714
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,598
−HK$2,930/mo
Today · 4.125%
HK$98,528
baseline
▲ 0.50% · 4.625%
HK$104,523
+HK$5,995/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$197,056/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,143
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,910
−HK$2,806/mo
Today · 4.125%
HK$108,716
baseline
▲ 0.50% · 4.625%
HK$114,446
+HK$5,730/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$217,432/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,257
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$114,717
−HK$3,517/mo
Today · 4.125%
HK$118,234
baseline
▲ 0.50% · 4.625%
HK$125,428
+HK$7,194/mo
Deposit HK$16.26M · loan HK$24.40M · min. income ≈ HK$236,468/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,772
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$127,092
−HK$3,367/mo
Today · 4.125%
HK$130,459
baseline
▲ 0.50% · 4.625%
HK$137,336
+HK$6,877/mo
Deposit HK$16.26M · loan HK$24.40M · min. income ≈ HK$260,918/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,800
−HK$8,139/mo
▼ 0.25% · 3.875%
HK$133,837
−HK$4,102/mo
Today · 4.125%
HK$137,939
baseline
▲ 0.50% · 4.625%
HK$146,332
+HK$8,393/mo
Deposit HK$12.20M · loan HK$28.46M · min. income ≈ HK$275,878/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,401
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$148,273
−HK$3,929/mo
Today · 4.125%
HK$152,202
baseline
▲ 0.50% · 4.625%
HK$160,225
+HK$8,023/mo
Deposit HK$12.20M · loan HK$28.46M · min. income ≈ HK$304,404/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,885
−HK$10,465/mo
▼ 0.25% · 3.875%
HK$172,076
−HK$5,274/mo
Today · 4.125%
HK$177,350
baseline
▲ 0.50% · 4.625%
HK$188,142
+HK$10,792/mo
Deposit HK$4.07M · loan HK$36.59M · min. income ≈ HK$354,700/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,658
−HK$10,031/mo
▼ 0.25% · 3.875%
HK$190,637
−HK$5,052/mo
Today · 4.125%
HK$195,689
baseline
▲ 0.50% · 4.625%
HK$206,004
+HK$10,315/mo
Deposit HK$4.07M · loan HK$36.59M · min. income ≈ HK$391,378/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,027 · Scale 2, in force from 26 Feb 2026)