LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,533
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,411
−HK$2,925/mo
Today · 4.125%
HK$98,336
baseline
▲ 0.50% · 4.625%
HK$104,319
+HK$5,983/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,672/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,942
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,703
−HK$2,801/mo
Today · 4.125%
HK$108,504
baseline
▲ 0.50% · 4.625%
HK$114,223
+HK$5,719/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$217,008/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,040
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$114,494
−HK$3,509/mo
Today · 4.125%
HK$118,003
baseline
▲ 0.50% · 4.625%
HK$125,183
+HK$7,180/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$236,006/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,530
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,843
−HK$3,361/mo
Today · 4.125%
HK$130,204
baseline
▲ 0.50% · 4.625%
HK$137,068
+HK$6,864/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$260,408/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,546
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$133,576
−HK$4,094/mo
Today · 4.125%
HK$137,670
baseline
▲ 0.50% · 4.625%
HK$146,047
+HK$8,377/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$275,340/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,119
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$147,984
−HK$3,921/mo
Today · 4.125%
HK$151,905
baseline
▲ 0.50% · 4.625%
HK$159,912
+HK$8,007/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$303,810/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,559
−HK$10,445/mo
▼ 0.25% · 3.875%
HK$171,740
−HK$5,264/mo
Today · 4.125%
HK$177,004
baseline
▲ 0.50% · 4.625%
HK$187,774
+HK$10,770/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$354,008/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,296
−HK$10,011/mo
▼ 0.25% · 3.875%
HK$190,265
−HK$5,042/mo
Today · 4.125%
HK$195,307
baseline
▲ 0.50% · 4.625%
HK$205,601
+HK$10,294/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$390,614/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,654 · Scale 2, in force from 26 Feb 2026)