LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,809
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,696
−HK$2,933/mo
Today · 4.125%
HK$98,629
baseline
▲ 0.50% · 4.625%
HK$104,630
+HK$6,001/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$197,258/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,249
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,018
−HK$2,810/mo
Today · 4.125%
HK$108,828
baseline
▲ 0.50% · 4.625%
HK$114,564
+HK$5,736/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$217,656/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,371
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$114,835
−HK$3,520/mo
Today · 4.125%
HK$118,355
baseline
▲ 0.50% · 4.625%
HK$125,557
+HK$7,202/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$236,710/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,899
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$127,222
−HK$3,371/mo
Today · 4.125%
HK$130,593
baseline
▲ 0.50% · 4.625%
HK$137,477
+HK$6,884/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$261,186/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,933
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$133,975
−HK$4,106/mo
Today · 4.125%
HK$138,081
baseline
▲ 0.50% · 4.625%
HK$146,483
+HK$8,402/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$276,162/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,549
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$148,426
−HK$3,933/mo
Today · 4.125%
HK$152,359
baseline
▲ 0.50% · 4.625%
HK$160,390
+HK$8,031/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$304,718/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,057
−HK$10,475/mo
▼ 0.25% · 3.875%
HK$172,253
−HK$5,279/mo
Today · 4.125%
HK$177,532
baseline
▲ 0.50% · 4.625%
HK$188,335
+HK$10,803/mo
Deposit HK$4.07M · loan HK$36.63M · min. income ≈ HK$355,064/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,849
−HK$10,041/mo
▼ 0.25% · 3.875%
HK$190,833
−HK$5,057/mo
Today · 4.125%
HK$195,890
baseline
▲ 0.50% · 4.625%
HK$206,215
+HK$10,325/mo
Deposit HK$4.07M · loan HK$36.63M · min. income ≈ HK$391,780/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,802 · Scale 2, in force from 26 Feb 2026)