LTV · monthly repayment
▼ 0.50% · 3.625%
HK$91,415
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,258
−HK$2,889/mo
Today · 4.125%
HK$97,147
baseline
▲ 0.50% · 4.625%
HK$103,058
+HK$5,911/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,294/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,698
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,425
−HK$2,767/mo
Today · 4.125%
HK$107,192
baseline
▲ 0.50% · 4.625%
HK$112,842
+HK$5,650/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,384/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,697
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,110
−HK$3,466/mo
Today · 4.125%
HK$116,576
baseline
▲ 0.50% · 4.625%
HK$123,670
+HK$7,094/mo
Deposit HK$16.04M · loan HK$24.05M · min. income ≈ HK$233,152/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,037
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,310
−HK$3,321/mo
Today · 4.125%
HK$128,631
baseline
▲ 0.50% · 4.625%
HK$135,411
+HK$6,780/mo
Deposit HK$16.04M · loan HK$24.05M · min. income ≈ HK$257,262/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,980
−HK$8,026/mo
▼ 0.25% · 3.875%
HK$131,961
−HK$4,045/mo
Today · 4.125%
HK$136,006
baseline
▲ 0.50% · 4.625%
HK$144,282
+HK$8,276/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$272,012/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,377
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$146,195
−HK$3,874/mo
Today · 4.125%
HK$150,069
baseline
▲ 0.50% · 4.625%
HK$157,979
+HK$7,910/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$300,138/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,546
−HK$10,319/mo
▼ 0.25% · 3.875%
HK$169,665
−HK$5,200/mo
Today · 4.125%
HK$174,865
baseline
▲ 0.50% · 4.625%
HK$185,505
+HK$10,640/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$349,730/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,056
−HK$9,890/mo
▼ 0.25% · 3.875%
HK$187,966
−HK$4,980/mo
Today · 4.125%
HK$192,946
baseline
▲ 0.50% · 4.625%
HK$203,116
+HK$10,170/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$385,892/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,809 · Scale 2, in force from 26 Feb 2026)