LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,774
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,659
−HK$2,932/mo
Today · 4.125%
HK$98,591
baseline
▲ 0.50% · 4.625%
HK$104,590
+HK$5,999/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,182/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,210
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,978
−HK$2,808/mo
Today · 4.125%
HK$108,786
baseline
▲ 0.50% · 4.625%
HK$114,520
+HK$5,734/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,572/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,328
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,791
−HK$3,519/mo
Today · 4.125%
HK$118,310
baseline
▲ 0.50% · 4.625%
HK$125,508
+HK$7,198/mo
Deposit HK$16.27M · loan HK$24.41M · min. income ≈ HK$236,620/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,852
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,173
−HK$3,370/mo
Today · 4.125%
HK$130,543
baseline
▲ 0.50% · 4.625%
HK$137,424
+HK$6,881/mo
Deposit HK$16.27M · loan HK$24.41M · min. income ≈ HK$261,086/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,883
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,923
−HK$4,105/mo
Today · 4.125%
HK$138,028
baseline
▲ 0.50% · 4.625%
HK$146,426
+HK$8,398/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$276,056/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,729,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,493
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$148,369
−HK$3,931/mo
Today · 4.125%
HK$152,300
baseline
▲ 0.50% · 4.625%
HK$160,328
+HK$8,028/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$304,600/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,729,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,992
−HK$10,472/mo
▼ 0.25% · 3.875%
HK$172,187
−HK$5,277/mo
Today · 4.125%
HK$177,464
baseline
▲ 0.50% · 4.625%
HK$188,263
+HK$10,799/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$354,928/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,777
−HK$10,037/mo
▼ 0.25% · 3.875%
HK$190,760
−HK$5,054/mo
Today · 4.125%
HK$195,814
baseline
▲ 0.50% · 4.625%
HK$206,136
+HK$10,322/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$391,628/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,137 · Scale 2, in force from 26 Feb 2026)