LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,537
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,415
−HK$2,925/mo
Today · 4.125%
HK$98,340
baseline
▲ 0.50% · 4.625%
HK$104,323
+HK$5,983/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,680/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,946
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,707
−HK$2,801/mo
Today · 4.125%
HK$108,508
baseline
▲ 0.50% · 4.625%
HK$114,228
+HK$5,720/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$217,016/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,044
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,498
−HK$3,510/mo
Today · 4.125%
HK$118,008
baseline
▲ 0.50% · 4.625%
HK$125,188
+HK$7,180/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$236,016/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,535
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$126,849
−HK$3,361/mo
Today · 4.125%
HK$130,210
baseline
▲ 0.50% · 4.625%
HK$137,073
+HK$6,863/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$260,420/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,551
−HK$8,125/mo
▼ 0.25% · 3.875%
HK$133,581
−HK$4,095/mo
Today · 4.125%
HK$137,676
baseline
▲ 0.50% · 4.625%
HK$146,053
+HK$8,377/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$275,352/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,125
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$147,990
−HK$3,921/mo
Today · 4.125%
HK$151,911
baseline
▲ 0.50% · 4.625%
HK$159,919
+HK$8,008/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$303,822/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,566
−HK$10,445/mo
▼ 0.25% · 3.875%
HK$171,747
−HK$5,264/mo
Today · 4.125%
HK$177,011
baseline
▲ 0.50% · 4.625%
HK$187,782
+HK$10,771/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$354,022/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,303
−HK$10,012/mo
▼ 0.25% · 3.875%
HK$190,273
−HK$5,042/mo
Today · 4.125%
HK$195,315
baseline
▲ 0.50% · 4.625%
HK$205,610
+HK$10,295/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$390,630/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,724 · Scale 2, in force from 26 Feb 2026)