LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,736
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,621
−HK$2,931/mo
Today · 4.125%
HK$98,552
baseline
▲ 0.50% · 4.625%
HK$104,548
+HK$5,996/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$197,104/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,168
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,935
−HK$2,807/mo
Today · 4.125%
HK$108,742
baseline
▲ 0.50% · 4.625%
HK$114,474
+HK$5,732/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$217,484/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,283
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$114,745
−HK$3,517/mo
Today · 4.125%
HK$118,262
baseline
▲ 0.50% · 4.625%
HK$125,458
+HK$7,196/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$236,524/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,802
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,122
−HK$3,368/mo
Today · 4.125%
HK$130,490
baseline
▲ 0.50% · 4.625%
HK$137,369
+HK$6,879/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$260,980/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,831
−HK$8,141/mo
▼ 0.25% · 3.875%
HK$133,869
−HK$4,103/mo
Today · 4.125%
HK$137,972
baseline
▲ 0.50% · 4.625%
HK$146,368
+HK$8,396/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$275,944/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,435
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$148,309
−HK$3,930/mo
Today · 4.125%
HK$152,239
baseline
▲ 0.50% · 4.625%
HK$160,263
+HK$8,024/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$304,478/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,925
−HK$10,468/mo
▼ 0.25% · 3.875%
HK$172,118
−HK$5,275/mo
Today · 4.125%
HK$177,393
baseline
▲ 0.50% · 4.625%
HK$188,187
+HK$10,794/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$354,786/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,703
−HK$10,033/mo
▼ 0.25% · 3.875%
HK$190,683
−HK$5,053/mo
Today · 4.125%
HK$195,736
baseline
▲ 0.50% · 4.625%
HK$206,053
+HK$10,317/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$391,472/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,442 · Scale 2, in force from 26 Feb 2026)