LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,500
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,377
−HK$2,924/mo
Today · 4.125%
HK$98,301
baseline
▲ 0.50% · 4.625%
HK$104,282
+HK$5,981/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,602/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,905
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,665
−HK$2,800/mo
Today · 4.125%
HK$108,465
baseline
▲ 0.50% · 4.625%
HK$114,182
+HK$5,717/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,930/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,000
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,453
−HK$3,508/mo
Today · 4.125%
HK$117,961
baseline
▲ 0.50% · 4.625%
HK$125,138
+HK$7,177/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$235,922/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,486
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,798
−HK$3,360/mo
Today · 4.125%
HK$130,158
baseline
▲ 0.50% · 4.625%
HK$137,019
+HK$6,861/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$260,316/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,500
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$133,528
−HK$4,093/mo
Today · 4.125%
HK$137,621
baseline
▲ 0.50% · 4.625%
HK$145,995
+HK$8,374/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$275,242/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,724,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,067
−HK$7,784/mo
▼ 0.25% · 3.875%
HK$147,931
−HK$3,920/mo
Today · 4.125%
HK$151,851
baseline
▲ 0.50% · 4.625%
HK$159,855
+HK$8,004/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$303,702/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,724,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,500
−HK$10,441/mo
▼ 0.25% · 3.875%
HK$171,679
−HK$5,262/mo
Today · 4.125%
HK$176,941
baseline
▲ 0.50% · 4.625%
HK$187,707
+HK$10,766/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$353,882/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,229
−HK$10,008/mo
▼ 0.25% · 3.875%
HK$190,197
−HK$5,040/mo
Today · 4.125%
HK$195,237
baseline
▲ 0.50% · 4.625%
HK$205,528
+HK$10,291/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$390,474/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,038 · Scale 2, in force from 26 Feb 2026)