LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,768
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,654
−HK$2,932/mo
Today · 4.125%
HK$98,586
baseline
▲ 0.50% · 4.625%
HK$104,584
+HK$5,998/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,172/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,204
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,972
−HK$2,808/mo
Today · 4.125%
HK$108,780
baseline
▲ 0.50% · 4.625%
HK$114,514
+HK$5,734/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,560/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,322
−HK$6,981/mo
▼ 0.25% · 3.875%
HK$114,785
−HK$3,518/mo
Today · 4.125%
HK$118,303
baseline
▲ 0.50% · 4.625%
HK$125,501
+HK$7,198/mo
Deposit HK$16.27M · loan HK$24.41M · min. income ≈ HK$236,606/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,845
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,166
−HK$3,370/mo
Today · 4.125%
HK$130,536
baseline
▲ 0.50% · 4.625%
HK$137,416
+HK$6,880/mo
Deposit HK$16.27M · loan HK$24.41M · min. income ≈ HK$261,072/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,876
−HK$8,144/mo
▼ 0.25% · 3.875%
HK$133,916
−HK$4,104/mo
Today · 4.125%
HK$138,020
baseline
▲ 0.50% · 4.625%
HK$146,418
+HK$8,398/mo
Deposit HK$12.20M · loan HK$28.48M · min. income ≈ HK$276,040/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,729,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,485
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$148,360
−HK$3,931/mo
Today · 4.125%
HK$152,291
baseline
▲ 0.50% · 4.625%
HK$160,319
+HK$8,028/mo
Deposit HK$12.20M · loan HK$28.48M · min. income ≈ HK$304,582/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,729,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,983
−HK$10,471/mo
▼ 0.25% · 3.875%
HK$172,177
−HK$5,277/mo
Today · 4.125%
HK$177,454
baseline
▲ 0.50% · 4.625%
HK$188,252
+HK$10,798/mo
Deposit HK$4.07M · loan HK$36.61M · min. income ≈ HK$354,908/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,767
−HK$10,036/mo
▼ 0.25% · 3.875%
HK$190,749
−HK$5,054/mo
Today · 4.125%
HK$195,803
baseline
▲ 0.50% · 4.625%
HK$206,124
+HK$10,321/mo
Deposit HK$4.07M · loan HK$36.61M · min. income ≈ HK$391,606/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,040 · Scale 2, in force from 26 Feb 2026)