LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,554
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,433
−HK$2,925/mo
Today · 4.125%
HK$98,358
baseline
▲ 0.50% · 4.625%
HK$104,343
+HK$5,985/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,716/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,965
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,727
−HK$2,801/mo
Today · 4.125%
HK$108,528
baseline
▲ 0.50% · 4.625%
HK$114,249
+HK$5,721/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$217,056/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,065
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,519
−HK$3,510/mo
Today · 4.125%
HK$118,029
baseline
▲ 0.50% · 4.625%
HK$125,211
+HK$7,182/mo
Deposit HK$16.24M · loan HK$24.35M · min. income ≈ HK$236,058/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,558
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$126,872
−HK$3,362/mo
Today · 4.125%
HK$130,234
baseline
▲ 0.50% · 4.625%
HK$137,098
+HK$6,864/mo
Deposit HK$16.24M · loan HK$24.35M · min. income ≈ HK$260,468/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,575
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$133,606
−HK$4,095/mo
Today · 4.125%
HK$137,701
baseline
▲ 0.50% · 4.625%
HK$146,080
+HK$8,379/mo
Deposit HK$12.18M · loan HK$28.41M · min. income ≈ HK$275,402/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,151
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$148,017
−HK$3,922/mo
Today · 4.125%
HK$151,939
baseline
▲ 0.50% · 4.625%
HK$159,948
+HK$8,009/mo
Deposit HK$12.18M · loan HK$28.41M · min. income ≈ HK$303,878/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,597
−HK$10,447/mo
▼ 0.25% · 3.875%
HK$171,779
−HK$5,265/mo
Today · 4.125%
HK$177,044
baseline
▲ 0.50% · 4.625%
HK$187,817
+HK$10,773/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$354,088/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,725,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,337
−HK$10,013/mo
▼ 0.25% · 3.875%
HK$190,308
−HK$5,042/mo
Today · 4.125%
HK$195,350
baseline
▲ 0.50% · 4.625%
HK$205,648
+HK$10,298/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$390,700/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,725,041 · Scale 2, in force from 26 Feb 2026)