LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,522
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,400
−HK$2,924/mo
Today · 4.125%
HK$98,324
baseline
▲ 0.50% · 4.625%
HK$104,307
+HK$5,983/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,648/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,930
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,691
−HK$2,800/mo
Today · 4.125%
HK$108,491
baseline
▲ 0.50% · 4.625%
HK$114,210
+HK$5,719/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$216,982/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,027
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,481
−HK$3,508/mo
Today · 4.125%
HK$117,989
baseline
▲ 0.50% · 4.625%
HK$125,169
+HK$7,180/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$235,978/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,516
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,829
−HK$3,361/mo
Today · 4.125%
HK$130,190
baseline
▲ 0.50% · 4.625%
HK$137,052
+HK$6,862/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$260,380/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,531
−HK$8,123/mo
▼ 0.25% · 3.875%
HK$133,561
−HK$4,093/mo
Today · 4.125%
HK$137,654
baseline
▲ 0.50% · 4.625%
HK$146,030
+HK$8,376/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$275,308/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,102
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$147,967
−HK$3,921/mo
Today · 4.125%
HK$151,888
baseline
▲ 0.50% · 4.625%
HK$159,894
+HK$8,006/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$303,776/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,540
−HK$10,444/mo
▼ 0.25% · 3.875%
HK$171,721
−HK$5,263/mo
Today · 4.125%
HK$176,984
baseline
▲ 0.50% · 4.625%
HK$187,753
+HK$10,769/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$353,968/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,275
−HK$10,009/mo
▼ 0.25% · 3.875%
HK$190,244
−HK$5,040/mo
Today · 4.125%
HK$195,284
baseline
▲ 0.50% · 4.625%
HK$205,578
+HK$10,294/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$390,568/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,458 · Scale 2, in force from 26 Feb 2026)