LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,547
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,426
−HK$2,924/mo
Today · 4.125%
HK$98,350
baseline
▲ 0.50% · 4.625%
HK$104,335
+HK$5,985/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,700/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,957
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,719
−HK$2,801/mo
Today · 4.125%
HK$108,520
baseline
▲ 0.50% · 4.625%
HK$114,240
+HK$5,720/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$217,040/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,056
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,511
−HK$3,509/mo
Today · 4.125%
HK$118,020
baseline
▲ 0.50% · 4.625%
HK$125,202
+HK$7,182/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$236,040/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,549
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$126,862
−HK$3,362/mo
Today · 4.125%
HK$130,224
baseline
▲ 0.50% · 4.625%
HK$137,088
+HK$6,864/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$260,448/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,566
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$133,596
−HK$4,094/mo
Today · 4.125%
HK$137,690
baseline
▲ 0.50% · 4.625%
HK$146,069
+HK$8,379/mo
Deposit HK$12.18M · loan HK$28.41M · min. income ≈ HK$275,380/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,140
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$148,006
−HK$3,922/mo
Today · 4.125%
HK$151,928
baseline
▲ 0.50% · 4.625%
HK$159,936
+HK$8,008/mo
Deposit HK$12.18M · loan HK$28.41M · min. income ≈ HK$303,856/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,584
−HK$10,447/mo
▼ 0.25% · 3.875%
HK$171,766
−HK$5,265/mo
Today · 4.125%
HK$177,031
baseline
▲ 0.50% · 4.625%
HK$187,802
+HK$10,771/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$354,062/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,323
−HK$10,013/mo
▼ 0.25% · 3.875%
HK$190,294
−HK$5,042/mo
Today · 4.125%
HK$195,336
baseline
▲ 0.50% · 4.625%
HK$205,632
+HK$10,296/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$390,672/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,911 · Scale 2, in force from 26 Feb 2026)