LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,500
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,378
−HK$2,923/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$1,724,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,906
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,665
−HK$2,800/mo
Today · 4.125%
HK$108,465
baseline
▲ 0.50% · 4.625%
HK$114,183
+HK$5,718/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$1,724,044 · 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$125,139
+HK$7,178/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$1,724,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,487
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,799
−HK$3,359/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$1,724,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,500
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$133,529
−HK$4,092/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$1,724,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,068
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$147,932
−HK$3,919/mo
Today · 4.125%
HK$151,851
baseline
▲ 0.50% · 4.625%
HK$159,856
+HK$8,005/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$1,724,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,500
−HK$10,441/mo
▼ 0.25% · 3.875%
HK$171,680
−HK$5,261/mo
Today · 4.125%
HK$176,941
baseline
▲ 0.50% · 4.625%
HK$187,708
+HK$10,767/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$1,724,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,230
−HK$10,007/mo
▼ 0.25% · 3.875%
HK$190,198
−HK$5,039/mo
Today · 4.125%
HK$195,237
baseline
▲ 0.50% · 4.625%
HK$205,529
+HK$10,292/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$1,724,044 · Scale 2, in force from 26 Feb 2026)