LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,782
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,668
−HK$2,932/mo
Today · 4.125%
HK$98,600
baseline
▲ 0.50% · 4.625%
HK$104,600
+HK$6,000/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,200/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,219
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$105,987
−HK$2,809/mo
Today · 4.125%
HK$108,796
baseline
▲ 0.50% · 4.625%
HK$114,530
+HK$5,734/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,592/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,338
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,802
−HK$3,518/mo
Today · 4.125%
HK$118,320
baseline
▲ 0.50% · 4.625%
HK$125,520
+HK$7,200/mo
Deposit HK$16.28M · loan HK$24.41M · min. income ≈ HK$236,640/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,863
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$127,185
−HK$3,370/mo
Today · 4.125%
HK$130,555
baseline
▲ 0.50% · 4.625%
HK$137,436
+HK$6,881/mo
Deposit HK$16.28M · loan HK$24.41M · min. income ≈ HK$261,110/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,895
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,935
−HK$4,105/mo
Today · 4.125%
HK$138,040
baseline
▲ 0.50% · 4.625%
HK$146,440
+HK$8,400/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$276,080/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,507
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$148,382
−HK$3,932/mo
Today · 4.125%
HK$152,314
baseline
▲ 0.50% · 4.625%
HK$160,342
+HK$8,028/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$304,628/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,007
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$172,202
−HK$5,278/mo
Today · 4.125%
HK$177,480
baseline
▲ 0.50% · 4.625%
HK$188,280
+HK$10,800/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$354,960/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,794
−HK$10,038/mo
▼ 0.25% · 3.875%
HK$190,777
−HK$5,055/mo
Today · 4.125%
HK$195,832
baseline
▲ 0.50% · 4.625%
HK$206,155
+HK$10,323/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$391,664/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,294 · Scale 2, in force from 26 Feb 2026)