LTV · monthly repayment
▼ 0.50% · 3.625%
HK$91,444
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,288
−HK$2,890/mo
Today · 4.125%
HK$97,178
baseline
▲ 0.50% · 4.625%
HK$103,091
+HK$5,913/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$194,356/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$1,704,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,731
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$104,459
−HK$2,768/mo
Today · 4.125%
HK$107,227
baseline
▲ 0.50% · 4.625%
HK$112,879
+HK$5,652/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$214,454/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$1,704,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,733
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,146
−HK$3,468/mo
Today · 4.125%
HK$116,614
baseline
▲ 0.50% · 4.625%
HK$123,710
+HK$7,096/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$233,228/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,704,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,077
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$125,351
−HK$3,321/mo
Today · 4.125%
HK$128,672
baseline
▲ 0.50% · 4.625%
HK$135,455
+HK$6,783/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$257,344/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,704,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,022
−HK$8,028/mo
▼ 0.25% · 3.875%
HK$132,004
−HK$4,046/mo
Today · 4.125%
HK$136,050
baseline
▲ 0.50% · 4.625%
HK$144,328
+HK$8,278/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$272,100/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,704,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,423
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$146,242
−HK$3,875/mo
Today · 4.125%
HK$150,117
baseline
▲ 0.50% · 4.625%
HK$158,030
+HK$7,913/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$300,234/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,704,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,599
−HK$10,322/mo
▼ 0.25% · 3.875%
HK$169,719
−HK$5,202/mo
Today · 4.125%
HK$174,921
baseline
▲ 0.50% · 4.625%
HK$185,565
+HK$10,644/mo
Deposit HK$4.01M · loan HK$36.09M · min. income ≈ HK$349,842/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,704,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,115
−HK$9,893/mo
▼ 0.25% · 3.875%
HK$188,026
−HK$4,982/mo
Today · 4.125%
HK$193,008
baseline
▲ 0.50% · 4.625%
HK$203,182
+HK$10,174/mo
Deposit HK$4.01M · loan HK$36.09M · min. income ≈ HK$386,016/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,704,357 · Scale 2, in force from 26 Feb 2026)