LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,781
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,667
−HK$2,932/mo
Today · 4.125%
HK$98,599
baseline
▲ 0.50% · 4.625%
HK$104,599
+HK$6,000/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,198/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,218
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,986
−HK$2,808/mo
Today · 4.125%
HK$108,794
baseline
▲ 0.50% · 4.625%
HK$114,529
+HK$5,735/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,588/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,337
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,800
−HK$3,519/mo
Today · 4.125%
HK$118,319
baseline
▲ 0.50% · 4.625%
HK$125,518
+HK$7,199/mo
Deposit HK$16.28M · loan HK$24.41M · min. income ≈ HK$236,638/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,861
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$127,183
−HK$3,370/mo
Today · 4.125%
HK$130,553
baseline
▲ 0.50% · 4.625%
HK$137,435
+HK$6,882/mo
Deposit HK$16.28M · loan HK$24.41M · min. income ≈ HK$261,106/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,893
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$133,934
−HK$4,105/mo
Today · 4.125%
HK$138,039
baseline
▲ 0.50% · 4.625%
HK$146,438
+HK$8,399/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$276,078/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,505
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$148,381
−HK$3,931/mo
Today · 4.125%
HK$152,312
baseline
▲ 0.50% · 4.625%
HK$160,341
+HK$8,029/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$304,624/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,006
−HK$10,472/mo
▼ 0.25% · 3.875%
HK$172,201
−HK$5,277/mo
Today · 4.125%
HK$177,478
baseline
▲ 0.50% · 4.625%
HK$188,278
+HK$10,800/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$354,956/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,792
−HK$10,038/mo
▼ 0.25% · 3.875%
HK$190,775
−HK$5,055/mo
Today · 4.125%
HK$195,830
baseline
▲ 0.50% · 4.625%
HK$206,152
+HK$10,322/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$391,660/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,275 · Scale 2, in force from 26 Feb 2026)