LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,488
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,365
−HK$2,923/mo
Today · 4.125%
HK$98,288
baseline
▲ 0.50% · 4.625%
HK$104,269
+HK$5,981/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,576/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,892
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,652
−HK$2,799/mo
Today · 4.125%
HK$108,451
baseline
▲ 0.50% · 4.625%
HK$114,168
+HK$5,717/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,902/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,986
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,438
−HK$3,508/mo
Today · 4.125%
HK$117,946
baseline
▲ 0.50% · 4.625%
HK$125,122
+HK$7,176/mo
Deposit HK$16.22M · loan HK$24.34M · min. income ≈ HK$235,892/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,471
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$126,782
−HK$3,359/mo
Today · 4.125%
HK$130,141
baseline
▲ 0.50% · 4.625%
HK$137,001
+HK$6,860/mo
Deposit HK$16.22M · loan HK$24.34M · min. income ≈ HK$260,282/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,483
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$133,511
−HK$4,092/mo
Today · 4.125%
HK$137,603
baseline
▲ 0.50% · 4.625%
HK$145,976
+HK$8,373/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$275,206/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,049
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$147,912
−HK$3,919/mo
Today · 4.125%
HK$151,831
baseline
▲ 0.50% · 4.625%
HK$159,835
+HK$8,004/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$303,662/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,479
−HK$10,439/mo
▼ 0.25% · 3.875%
HK$171,657
−HK$5,261/mo
Today · 4.125%
HK$176,918
baseline
▲ 0.50% · 4.625%
HK$187,683
+HK$10,765/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$353,836/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,206
−HK$10,006/mo
▼ 0.25% · 3.875%
HK$190,173
−HK$5,039/mo
Today · 4.125%
HK$195,212
baseline
▲ 0.50% · 4.625%
HK$205,502
+HK$10,290/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$390,424/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,818 · Scale 2, in force from 26 Feb 2026)