LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,723
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,607
−HK$2,931/mo
Today · 4.125%
HK$98,538
baseline
▲ 0.50% · 4.625%
HK$104,533
+HK$5,995/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$197,076/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,154
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,920
−HK$2,807/mo
Today · 4.125%
HK$108,727
baseline
▲ 0.50% · 4.625%
HK$114,458
+HK$5,731/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$217,454/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,268
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$114,729
−HK$3,516/mo
Today · 4.125%
HK$118,245
baseline
▲ 0.50% · 4.625%
HK$125,440
+HK$7,195/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$236,490/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,784
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,104
−HK$3,368/mo
Today · 4.125%
HK$130,472
baseline
▲ 0.50% · 4.625%
HK$137,349
+HK$6,877/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$260,944/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,812
−HK$8,141/mo
▼ 0.25% · 3.875%
HK$133,850
−HK$4,103/mo
Today · 4.125%
HK$137,953
baseline
▲ 0.50% · 4.625%
HK$146,347
+HK$8,394/mo
Deposit HK$12.20M · loan HK$28.46M · min. income ≈ HK$275,906/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,415
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,288
−HK$3,929/mo
Today · 4.125%
HK$152,217
baseline
▲ 0.50% · 4.625%
HK$160,241
+HK$8,024/mo
Deposit HK$12.20M · loan HK$28.46M · min. income ≈ HK$304,434/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,902
−HK$10,466/mo
▼ 0.25% · 3.875%
HK$172,093
−HK$5,275/mo
Today · 4.125%
HK$177,368
baseline
▲ 0.50% · 4.625%
HK$188,160
+HK$10,792/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$354,736/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,676
−HK$10,032/mo
▼ 0.25% · 3.875%
HK$190,656
−HK$5,052/mo
Today · 4.125%
HK$195,708
baseline
▲ 0.50% · 4.625%
HK$206,024
+HK$10,316/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$391,416/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,197 · Scale 2, in force from 26 Feb 2026)