LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,472
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,348
−HK$2,923/mo
Today · 4.125%
HK$98,271
baseline
▲ 0.50% · 4.625%
HK$104,250
+HK$5,979/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,542/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,874
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,633
−HK$2,799/mo
Today · 4.125%
HK$108,432
baseline
▲ 0.50% · 4.625%
HK$114,148
+HK$5,716/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,864/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,966
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$114,418
−HK$3,507/mo
Today · 4.125%
HK$117,925
baseline
▲ 0.50% · 4.625%
HK$125,100
+HK$7,175/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$235,850/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,723,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,449
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$126,760
−HK$3,358/mo
Today · 4.125%
HK$130,118
baseline
▲ 0.50% · 4.625%
HK$136,977
+HK$6,859/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$260,236/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,723,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,461
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$133,488
−HK$4,091/mo
Today · 4.125%
HK$137,579
baseline
▲ 0.50% · 4.625%
HK$145,950
+HK$8,371/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$275,158/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,024
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$147,886
−HK$3,919/mo
Today · 4.125%
HK$151,805
baseline
▲ 0.50% · 4.625%
HK$159,807
+HK$8,002/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$303,610/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,449
−HK$10,438/mo
▼ 0.25% · 3.875%
HK$171,627
−HK$5,260/mo
Today · 4.125%
HK$176,887
baseline
▲ 0.50% · 4.625%
HK$187,650
+HK$10,763/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$353,774/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,173
−HK$10,005/mo
▼ 0.25% · 3.875%
HK$190,139
−HK$5,039/mo
Today · 4.125%
HK$195,178
baseline
▲ 0.50% · 4.625%
HK$205,466
+HK$10,288/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$390,356/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,515 · Scale 2, in force from 26 Feb 2026)