LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,797
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,683
−HK$2,933/mo
Today · 4.125%
HK$98,616
baseline
▲ 0.50% · 4.625%
HK$104,616
+HK$6,000/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$197,232/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,235
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,004
−HK$2,809/mo
Today · 4.125%
HK$108,813
baseline
▲ 0.50% · 4.625%
HK$114,548
+HK$5,735/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$217,626/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,356
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$114,820
−HK$3,519/mo
Today · 4.125%
HK$118,339
baseline
▲ 0.50% · 4.625%
HK$125,539
+HK$7,200/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$236,678/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,882
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$127,205
−HK$3,370/mo
Today · 4.125%
HK$130,575
baseline
▲ 0.50% · 4.625%
HK$137,458
+HK$6,883/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$261,150/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,915
−HK$8,147/mo
▼ 0.25% · 3.875%
HK$133,956
−HK$4,106/mo
Today · 4.125%
HK$138,062
baseline
▲ 0.50% · 4.625%
HK$146,463
+HK$8,401/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$276,124/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,529
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$148,405
−HK$3,933/mo
Today · 4.125%
HK$152,338
baseline
▲ 0.50% · 4.625%
HK$160,368
+HK$8,030/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$304,676/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,034
−HK$10,474/mo
▼ 0.25% · 3.875%
HK$172,229
−HK$5,279/mo
Today · 4.125%
HK$177,508
baseline
▲ 0.50% · 4.625%
HK$188,309
+HK$10,801/mo
Deposit HK$4.07M · loan HK$36.63M · min. income ≈ HK$355,016/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,823
−HK$10,040/mo
▼ 0.25% · 3.875%
HK$190,807
−HK$5,056/mo
Today · 4.125%
HK$195,863
baseline
▲ 0.50% · 4.625%
HK$206,187
+HK$10,324/mo
Deposit HK$4.07M · loan HK$36.63M · min. income ≈ HK$391,726/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,566 · Scale 2, in force from 26 Feb 2026)