LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,792
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,679
−HK$2,932/mo
Today · 4.125%
HK$98,611
baseline
▲ 0.50% · 4.625%
HK$104,611
+HK$6,000/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$197,222/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,230
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$105,999
−HK$2,809/mo
Today · 4.125%
HK$108,808
baseline
▲ 0.50% · 4.625%
HK$114,543
+HK$5,735/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$217,616/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,351
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,814
−HK$3,519/mo
Today · 4.125%
HK$118,333
baseline
▲ 0.50% · 4.625%
HK$125,534
+HK$7,201/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$236,666/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,877
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$127,199
−HK$3,370/mo
Today · 4.125%
HK$130,569
baseline
▲ 0.50% · 4.625%
HK$137,452
+HK$6,883/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$261,138/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,909
−HK$8,147/mo
▼ 0.25% · 3.875%
HK$133,950
−HK$4,106/mo
Today · 4.125%
HK$138,056
baseline
▲ 0.50% · 4.625%
HK$146,456
+HK$8,400/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$276,112/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,523
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$148,399
−HK$3,932/mo
Today · 4.125%
HK$152,331
baseline
▲ 0.50% · 4.625%
HK$160,360
+HK$8,029/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$304,662/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,026
−HK$10,474/mo
▼ 0.25% · 3.875%
HK$172,222
−HK$5,278/mo
Today · 4.125%
HK$177,500
baseline
▲ 0.50% · 4.625%
HK$188,301
+HK$10,801/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$355,000/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,815
−HK$10,039/mo
▼ 0.25% · 3.875%
HK$190,798
−HK$5,056/mo
Today · 4.125%
HK$195,854
baseline
▲ 0.50% · 4.625%
HK$206,178
+HK$10,324/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$391,708/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,486 · Scale 2, in force from 26 Feb 2026)