LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,540
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,418
−HK$2,925/mo
Today · 4.125%
HK$98,343
baseline
▲ 0.50% · 4.625%
HK$104,327
+HK$5,984/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,686/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,949
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,710
−HK$2,801/mo
Today · 4.125%
HK$108,511
baseline
▲ 0.50% · 4.625%
HK$114,231
+HK$5,720/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$217,022/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,047
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,502
−HK$3,509/mo
Today · 4.125%
HK$118,011
baseline
▲ 0.50% · 4.625%
HK$125,192
+HK$7,181/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$236,022/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,539
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$126,852
−HK$3,362/mo
Today · 4.125%
HK$130,214
baseline
▲ 0.50% · 4.625%
HK$137,077
+HK$6,863/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$260,428/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,555
−HK$8,125/mo
▼ 0.25% · 3.875%
HK$133,585
−HK$4,095/mo
Today · 4.125%
HK$137,680
baseline
▲ 0.50% · 4.625%
HK$146,057
+HK$8,377/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$275,360/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,129
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$147,995
−HK$3,921/mo
Today · 4.125%
HK$151,916
baseline
▲ 0.50% · 4.625%
HK$159,924
+HK$8,008/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$303,832/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,571
−HK$10,446/mo
▼ 0.25% · 3.875%
HK$171,752
−HK$5,265/mo
Today · 4.125%
HK$177,017
baseline
▲ 0.50% · 4.625%
HK$187,788
+HK$10,771/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$354,034/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,309
−HK$10,011/mo
▼ 0.25% · 3.875%
HK$190,279
−HK$5,041/mo
Today · 4.125%
HK$195,320
baseline
▲ 0.50% · 4.625%
HK$205,616
+HK$10,296/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$390,640/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,776 · Scale 2, in force from 26 Feb 2026)