LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,752
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,637
−HK$2,931/mo
Today · 4.125%
HK$98,568
baseline
▲ 0.50% · 4.625%
HK$104,566
+HK$5,998/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,136/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,728,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,185
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,953
−HK$2,807/mo
Today · 4.125%
HK$108,760
baseline
▲ 0.50% · 4.625%
HK$114,493
+HK$5,733/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,520/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,728,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,302
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$114,764
−HK$3,517/mo
Today · 4.125%
HK$118,281
baseline
▲ 0.50% · 4.625%
HK$125,479
+HK$7,198/mo
Deposit HK$16.27M · loan HK$24.41M · min. income ≈ HK$236,562/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,822
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$127,143
−HK$3,369/mo
Today · 4.125%
HK$130,512
baseline
▲ 0.50% · 4.625%
HK$137,391
+HK$6,879/mo
Deposit HK$16.27M · loan HK$24.41M · min. income ≈ HK$261,024/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,728,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,852
−HK$8,143/mo
▼ 0.25% · 3.875%
HK$133,891
−HK$4,104/mo
Today · 4.125%
HK$137,995
baseline
▲ 0.50% · 4.625%
HK$146,392
+HK$8,397/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$275,990/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,459
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$148,334
−HK$3,930/mo
Today · 4.125%
HK$152,264
baseline
▲ 0.50% · 4.625%
HK$160,290
+HK$8,026/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$304,528/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,953
−HK$10,469/mo
▼ 0.25% · 3.875%
HK$172,146
−HK$5,276/mo
Today · 4.125%
HK$177,422
baseline
▲ 0.50% · 4.625%
HK$188,218
+HK$10,796/mo
Deposit HK$4.07M · loan HK$36.61M · min. income ≈ HK$354,844/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,733
−HK$10,035/mo
▼ 0.25% · 3.875%
HK$190,715
−HK$5,053/mo
Today · 4.125%
HK$195,768
baseline
▲ 0.50% · 4.625%
HK$206,087
+HK$10,319/mo
Deposit HK$4.07M · loan HK$36.61M · min. income ≈ HK$391,536/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,728,727 · Scale 2, in force from 26 Feb 2026)