LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,735
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,620
−HK$2,931/mo
Today · 4.125%
HK$98,551
baseline
▲ 0.50% · 4.625%
HK$104,547
+HK$5,996/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$197,102/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,167
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,934
−HK$2,807/mo
Today · 4.125%
HK$108,741
baseline
▲ 0.50% · 4.625%
HK$114,473
+HK$5,732/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$217,482/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,282
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$114,744
−HK$3,517/mo
Today · 4.125%
HK$118,261
baseline
▲ 0.50% · 4.625%
HK$125,457
+HK$7,196/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$236,522/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,801
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,121
−HK$3,368/mo
Today · 4.125%
HK$130,489
baseline
▲ 0.50% · 4.625%
HK$137,367
+HK$6,878/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$260,978/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,829
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$133,868
−HK$4,103/mo
Today · 4.125%
HK$137,971
baseline
▲ 0.50% · 4.625%
HK$146,366
+HK$8,395/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$275,942/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,434
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$148,308
−HK$3,929/mo
Today · 4.125%
HK$152,237
baseline
▲ 0.50% · 4.625%
HK$160,262
+HK$8,025/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$304,474/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,924
−HK$10,467/mo
▼ 0.25% · 3.875%
HK$172,116
−HK$5,275/mo
Today · 4.125%
HK$177,391
baseline
▲ 0.50% · 4.625%
HK$188,185
+HK$10,794/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$354,782/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,701
−HK$10,033/mo
▼ 0.25% · 3.875%
HK$190,681
−HK$5,053/mo
Today · 4.125%
HK$195,734
baseline
▲ 0.50% · 4.625%
HK$206,051
+HK$10,317/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$391,468/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,425 · Scale 2, in force from 26 Feb 2026)