LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,549
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,428
−HK$2,925/mo
Today · 4.125%
HK$98,353
baseline
▲ 0.50% · 4.625%
HK$104,337
+HK$5,984/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,706/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,960
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,721
−HK$2,802/mo
Today · 4.125%
HK$108,523
baseline
▲ 0.50% · 4.625%
HK$114,243
+HK$5,720/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$217,046/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,059
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,513
−HK$3,510/mo
Today · 4.125%
HK$118,023
baseline
▲ 0.50% · 4.625%
HK$125,205
+HK$7,182/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$236,046/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,552
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$126,866
−HK$3,361/mo
Today · 4.125%
HK$130,227
baseline
▲ 0.50% · 4.625%
HK$137,091
+HK$6,864/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$260,454/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,569
−HK$8,125/mo
▼ 0.25% · 3.875%
HK$133,599
−HK$4,095/mo
Today · 4.125%
HK$137,694
baseline
▲ 0.50% · 4.625%
HK$146,072
+HK$8,378/mo
Deposit HK$12.18M · loan HK$28.41M · min. income ≈ HK$275,388/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,144
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$148,010
−HK$3,922/mo
Today · 4.125%
HK$151,932
baseline
▲ 0.50% · 4.625%
HK$159,940
+HK$8,008/mo
Deposit HK$12.18M · loan HK$28.41M · min. income ≈ HK$303,864/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,588
−HK$10,447/mo
▼ 0.25% · 3.875%
HK$171,770
−HK$5,265/mo
Today · 4.125%
HK$177,035
baseline
▲ 0.50% · 4.625%
HK$187,807
+HK$10,772/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$354,070/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,328
−HK$10,013/mo
▼ 0.25% · 3.875%
HK$190,298
−HK$5,043/mo
Today · 4.125%
HK$195,341
baseline
▲ 0.50% · 4.625%
HK$205,637
+HK$10,296/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$390,682/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,954 · Scale 2, in force from 26 Feb 2026)