LTV · monthly repayment
▼ 0.50% · 3.625%
HK$91,414
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,257
−HK$2,889/mo
Today · 4.125%
HK$97,146
baseline
▲ 0.50% · 4.625%
HK$103,057
+HK$5,911/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,292/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,697
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,424
−HK$2,767/mo
Today · 4.125%
HK$107,191
baseline
▲ 0.50% · 4.625%
HK$112,841
+HK$5,650/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,382/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,696
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,108
−HK$3,467/mo
Today · 4.125%
HK$116,575
baseline
▲ 0.50% · 4.625%
HK$123,668
+HK$7,093/mo
Deposit HK$16.04M · loan HK$24.05M · min. income ≈ HK$233,150/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,036
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$125,309
−HK$3,320/mo
Today · 4.125%
HK$128,629
baseline
▲ 0.50% · 4.625%
HK$135,409
+HK$6,780/mo
Deposit HK$16.04M · loan HK$24.05M · min. income ≈ HK$257,258/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,979
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$131,960
−HK$4,044/mo
Today · 4.125%
HK$136,004
baseline
▲ 0.50% · 4.625%
HK$144,280
+HK$8,276/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$272,008/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,375
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$146,194
−HK$3,873/mo
Today · 4.125%
HK$150,067
baseline
▲ 0.50% · 4.625%
HK$157,978
+HK$7,911/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$300,134/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,544
−HK$10,319/mo
▼ 0.25% · 3.875%
HK$169,663
−HK$5,200/mo
Today · 4.125%
HK$174,863
baseline
▲ 0.50% · 4.625%
HK$185,503
+HK$10,640/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$349,726/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,054
−HK$9,890/mo
▼ 0.25% · 3.875%
HK$187,963
−HK$4,981/mo
Today · 4.125%
HK$192,944
baseline
▲ 0.50% · 4.625%
HK$203,114
+HK$10,170/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$385,888/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,789 · Scale 2, in force from 26 Feb 2026)