LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,601
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,481
−HK$2,927/mo
Today · 4.125%
HK$98,408
baseline
▲ 0.50% · 4.625%
HK$104,395
+HK$5,987/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,816/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,017
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,780
−HK$2,803/mo
Today · 4.125%
HK$108,583
baseline
▲ 0.50% · 4.625%
HK$114,307
+HK$5,724/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,166/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,121
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$114,577
−HK$3,512/mo
Today · 4.125%
HK$118,089
baseline
▲ 0.50% · 4.625%
HK$125,275
+HK$7,186/mo
Deposit HK$16.24M · loan HK$24.37M · min. income ≈ HK$236,178/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,621
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,936
−HK$3,364/mo
Today · 4.125%
HK$130,300
baseline
▲ 0.50% · 4.625%
HK$137,168
+HK$6,868/mo
Deposit HK$16.24M · loan HK$24.37M · min. income ≈ HK$260,600/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,641
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$133,674
−HK$4,097/mo
Today · 4.125%
HK$137,771
baseline
▲ 0.50% · 4.625%
HK$146,154
+HK$8,383/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$275,542/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,224
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$148,092
−HK$3,924/mo
Today · 4.125%
HK$152,016
baseline
▲ 0.50% · 4.625%
HK$160,029
+HK$8,013/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$304,032/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,681
−HK$10,453/mo
▼ 0.25% · 3.875%
HK$171,866
−HK$5,268/mo
Today · 4.125%
HK$177,134
baseline
▲ 0.50% · 4.625%
HK$187,912
+HK$10,778/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$354,268/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,431
−HK$10,019/mo
▼ 0.25% · 3.875%
HK$190,404
−HK$5,046/mo
Today · 4.125%
HK$195,450
baseline
▲ 0.50% · 4.625%
HK$205,752
+HK$10,302/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$390,900/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,917 · Scale 2, in force from 26 Feb 2026)