LTV · monthly repayment
▼ 0.50% · 3.625%
HK$91,405
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,248
−HK$2,889/mo
Today · 4.125%
HK$97,137
baseline
▲ 0.50% · 4.625%
HK$103,047
+HK$5,910/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,274/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,687
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,414
−HK$2,767/mo
Today · 4.125%
HK$107,181
baseline
▲ 0.50% · 4.625%
HK$112,831
+HK$5,650/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,362/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,686
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$113,098
−HK$3,466/mo
Today · 4.125%
HK$116,564
baseline
▲ 0.50% · 4.625%
HK$123,657
+HK$7,093/mo
Deposit HK$16.03M · loan HK$24.05M · min. income ≈ HK$233,128/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,025
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,297
−HK$3,320/mo
Today · 4.125%
HK$128,617
baseline
▲ 0.50% · 4.625%
HK$135,397
+HK$6,780/mo
Deposit HK$16.03M · loan HK$24.05M · min. income ≈ HK$257,234/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,967
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$131,947
−HK$4,045/mo
Today · 4.125%
HK$135,992
baseline
▲ 0.50% · 4.625%
HK$144,266
+HK$8,274/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$271,984/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,362
−HK$7,691/mo
▼ 0.25% · 3.875%
HK$146,180
−HK$3,873/mo
Today · 4.125%
HK$150,053
baseline
▲ 0.50% · 4.625%
HK$157,963
+HK$7,910/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$300,106/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,529
−HK$10,317/mo
▼ 0.25% · 3.875%
HK$169,647
−HK$5,199/mo
Today · 4.125%
HK$174,846
baseline
▲ 0.50% · 4.625%
HK$185,485
+HK$10,639/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$349,692/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,037
−HK$9,889/mo
▼ 0.25% · 3.875%
HK$187,946
−HK$4,980/mo
Today · 4.125%
HK$192,926
baseline
▲ 0.50% · 4.625%
HK$203,095
+HK$10,169/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$385,852/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,630 · Scale 2, in force from 26 Feb 2026)