LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,779
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,665
−HK$2,932/mo
Today · 4.125%
HK$98,597
baseline
▲ 0.50% · 4.625%
HK$104,597
+HK$6,000/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,194/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,216
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,984
−HK$2,808/mo
Today · 4.125%
HK$108,792
baseline
▲ 0.50% · 4.625%
HK$114,527
+HK$5,735/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,584/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,335
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,798
−HK$3,519/mo
Today · 4.125%
HK$118,317
baseline
▲ 0.50% · 4.625%
HK$125,516
+HK$7,199/mo
Deposit HK$16.28M · loan HK$24.41M · min. income ≈ HK$236,634/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,859
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$127,181
−HK$3,370/mo
Today · 4.125%
HK$130,551
baseline
▲ 0.50% · 4.625%
HK$137,432
+HK$6,881/mo
Deposit HK$16.28M · loan HK$24.41M · min. income ≈ HK$261,102/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,891
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,931
−HK$4,105/mo
Today · 4.125%
HK$138,036
baseline
▲ 0.50% · 4.625%
HK$146,435
+HK$8,399/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$276,072/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,502
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$148,378
−HK$3,931/mo
Today · 4.125%
HK$152,309
baseline
▲ 0.50% · 4.625%
HK$160,338
+HK$8,029/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$304,618/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,002
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$172,197
−HK$5,278/mo
Today · 4.125%
HK$177,475
baseline
▲ 0.50% · 4.625%
HK$188,274
+HK$10,799/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$354,950/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,789
−HK$10,037/mo
▼ 0.25% · 3.875%
HK$190,771
−HK$5,055/mo
Today · 4.125%
HK$195,826
baseline
▲ 0.50% · 4.625%
HK$206,148
+HK$10,322/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$391,652/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,242 · Scale 2, in force from 26 Feb 2026)