LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,744
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,629
−HK$2,931/mo
Today · 4.125%
HK$98,560
baseline
▲ 0.50% · 4.625%
HK$104,557
+HK$5,997/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,120/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,177
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,944
−HK$2,807/mo
Today · 4.125%
HK$108,751
baseline
▲ 0.50% · 4.625%
HK$114,484
+HK$5,733/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,502/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,293
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$114,755
−HK$3,517/mo
Today · 4.125%
HK$118,272
baseline
▲ 0.50% · 4.625%
HK$125,469
+HK$7,197/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$236,544/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,812
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$127,133
−HK$3,369/mo
Today · 4.125%
HK$130,502
baseline
▲ 0.50% · 4.625%
HK$137,380
+HK$6,878/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$261,004/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,842
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$133,881
−HK$4,103/mo
Today · 4.125%
HK$137,984
baseline
▲ 0.50% · 4.625%
HK$146,380
+HK$8,396/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$275,968/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,448
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$148,322
−HK$3,930/mo
Today · 4.125%
HK$152,252
baseline
▲ 0.50% · 4.625%
HK$160,277
+HK$8,025/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$304,504/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,940
−HK$10,468/mo
▼ 0.25% · 3.875%
HK$172,132
−HK$5,276/mo
Today · 4.125%
HK$177,408
baseline
▲ 0.50% · 4.625%
HK$188,203
+HK$10,795/mo
Deposit HK$4.07M · loan HK$36.61M · min. income ≈ HK$354,816/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,719
−HK$10,033/mo
▼ 0.25% · 3.875%
HK$190,699
−HK$5,053/mo
Today · 4.125%
HK$195,752
baseline
▲ 0.50% · 4.625%
HK$206,071
+HK$10,319/mo
Deposit HK$4.07M · loan HK$36.61M · min. income ≈ HK$391,504/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,590 · Scale 2, in force from 26 Feb 2026)