LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,443
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$95,318
−HK$2,922/mo
Today · 4.125%
HK$98,240
baseline
▲ 0.50% · 4.625%
HK$104,217
+HK$5,977/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$196,480/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,842
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,600
−HK$2,798/mo
Today · 4.125%
HK$108,398
baseline
▲ 0.50% · 4.625%
HK$114,112
+HK$5,714/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$216,796/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,931
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$114,382
−HK$3,506/mo
Today · 4.125%
HK$117,888
baseline
▲ 0.50% · 4.625%
HK$125,061
+HK$7,173/mo
Deposit HK$16.22M · loan HK$24.32M · min. income ≈ HK$235,776/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,722,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,410
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$126,720
−HK$3,358/mo
Today · 4.125%
HK$130,078
baseline
▲ 0.50% · 4.625%
HK$136,934
+HK$6,856/mo
Deposit HK$16.22M · loan HK$24.32M · min. income ≈ HK$260,156/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,722,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,420
−HK$8,116/mo
▼ 0.25% · 3.875%
HK$133,446
−HK$4,090/mo
Today · 4.125%
HK$137,536
baseline
▲ 0.50% · 4.625%
HK$145,904
+HK$8,368/mo
Deposit HK$12.16M · loan HK$28.38M · min. income ≈ HK$275,072/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,722,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,978
−HK$7,779/mo
▼ 0.25% · 3.875%
HK$147,840
−HK$3,917/mo
Today · 4.125%
HK$151,757
baseline
▲ 0.50% · 4.625%
HK$159,756
+HK$7,999/mo
Deposit HK$12.16M · loan HK$28.38M · min. income ≈ HK$303,514/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,722,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,397
−HK$10,435/mo
▼ 0.25% · 3.875%
HK$171,573
−HK$5,259/mo
Today · 4.125%
HK$176,832
baseline
▲ 0.50% · 4.625%
HK$187,591
+HK$10,759/mo
Deposit HK$4.05M · loan HK$36.49M · min. income ≈ HK$353,664/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,115
−HK$10,001/mo
▼ 0.25% · 3.875%
HK$190,080
−HK$5,036/mo
Today · 4.125%
HK$195,116
baseline
▲ 0.50% · 4.625%
HK$205,401
+HK$10,285/mo
Deposit HK$4.05M · loan HK$36.49M · min. income ≈ HK$390,232/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,974 · Scale 2, in force from 26 Feb 2026)