LTV · monthly repayment
▼ 0.50% · 3.625%
HK$91,374
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$94,217
−HK$2,887/mo
Today · 4.125%
HK$97,104
baseline
▲ 0.50% · 4.625%
HK$103,013
+HK$5,909/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,208/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,653
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,379
−HK$2,766/mo
Today · 4.125%
HK$107,145
baseline
▲ 0.50% · 4.625%
HK$112,793
+HK$5,648/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,290/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,649
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,060
−HK$3,465/mo
Today · 4.125%
HK$116,525
baseline
▲ 0.50% · 4.625%
HK$123,616
+HK$7,091/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$233,050/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,984
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,255
−HK$3,319/mo
Today · 4.125%
HK$128,574
baseline
▲ 0.50% · 4.625%
HK$135,352
+HK$6,778/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$257,148/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,924
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$131,903
−HK$4,043/mo
Today · 4.125%
HK$135,946
baseline
▲ 0.50% · 4.625%
HK$144,218
+HK$8,272/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$271,892/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,703,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,314
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$146,131
−HK$3,872/mo
Today · 4.125%
HK$150,003
baseline
▲ 0.50% · 4.625%
HK$157,910
+HK$7,907/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$300,006/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,703,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,474
−HK$10,314/mo
▼ 0.25% · 3.875%
HK$169,590
−HK$5,198/mo
Today · 4.125%
HK$174,788
baseline
▲ 0.50% · 4.625%
HK$185,423
+HK$10,635/mo
Deposit HK$4.01M · loan HK$36.06M · min. income ≈ HK$349,576/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,976
−HK$9,885/mo
▼ 0.25% · 3.875%
HK$187,883
−HK$4,978/mo
Today · 4.125%
HK$192,861
baseline
▲ 0.50% · 4.625%
HK$203,027
+HK$10,166/mo
Deposit HK$4.01M · loan HK$36.06M · min. income ≈ HK$385,722/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,061 · Scale 2, in force from 26 Feb 2026)