LTV · monthly repayment
▼ 0.50% · 3.625%
HK$91,416
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,259
−HK$2,889/mo
Today · 4.125%
HK$97,148
baseline
▲ 0.50% · 4.625%
HK$103,059
+HK$5,911/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$194,296/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,699
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,426
−HK$2,767/mo
Today · 4.125%
HK$107,193
baseline
▲ 0.50% · 4.625%
HK$112,844
+HK$5,651/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$214,386/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,699
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,111
−HK$3,467/mo
Today · 4.125%
HK$116,578
baseline
▲ 0.50% · 4.625%
HK$123,671
+HK$7,093/mo
Deposit HK$16.04M · loan HK$24.05M · min. income ≈ HK$233,156/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,039
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$125,312
−HK$3,320/mo
Today · 4.125%
HK$128,632
baseline
▲ 0.50% · 4.625%
HK$135,412
+HK$6,780/mo
Deposit HK$16.04M · loan HK$24.05M · min. income ≈ HK$257,264/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,982
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$131,963
−HK$4,044/mo
Today · 4.125%
HK$136,007
baseline
▲ 0.50% · 4.625%
HK$144,283
+HK$8,276/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$272,014/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,378
−HK$7,693/mo
▼ 0.25% · 3.875%
HK$146,197
−HK$3,874/mo
Today · 4.125%
HK$150,071
baseline
▲ 0.50% · 4.625%
HK$157,981
+HK$7,910/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$300,142/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,548
−HK$10,319/mo
▼ 0.25% · 3.875%
HK$169,666
−HK$5,201/mo
Today · 4.125%
HK$174,867
baseline
▲ 0.50% · 4.625%
HK$185,507
+HK$10,640/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$349,734/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,058
−HK$9,890/mo
▼ 0.25% · 3.875%
HK$187,968
−HK$4,980/mo
Today · 4.125%
HK$192,948
baseline
▲ 0.50% · 4.625%
HK$203,119
+HK$10,171/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$385,896/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,827 · Scale 2, in force from 26 Feb 2026)