LTV · monthly repayment
▼ 0.50% · 3.625%
HK$91,681
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,533
−HK$2,898/mo
Today · 4.125%
HK$97,431
baseline
▲ 0.50% · 4.625%
HK$103,359
+HK$5,928/mo
Deposit HK$20.10M · loan HK$20.10M · min. income ≈ HK$194,862/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$1,708,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,995
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$104,730
−HK$2,775/mo
Today · 4.125%
HK$107,505
baseline
▲ 0.50% · 4.625%
HK$113,172
+HK$5,667/mo
Deposit HK$20.10M · loan HK$20.10M · min. income ≈ HK$215,010/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$1,708,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,018
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$113,440
−HK$3,477/mo
Today · 4.125%
HK$116,917
baseline
▲ 0.50% · 4.625%
HK$124,031
+HK$7,114/mo
Deposit HK$16.08M · loan HK$24.12M · min. income ≈ HK$233,834/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,708,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,394
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$125,676
−HK$3,330/mo
Today · 4.125%
HK$129,006
baseline
▲ 0.50% · 4.625%
HK$135,806
+HK$6,800/mo
Deposit HK$16.08M · loan HK$24.12M · min. income ≈ HK$258,012/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,708,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,354
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$132,346
−HK$4,057/mo
Today · 4.125%
HK$136,403
baseline
▲ 0.50% · 4.625%
HK$144,703
+HK$8,300/mo
Deposit HK$12.06M · loan HK$28.14M · min. income ≈ HK$272,806/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,708,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,792
−HK$7,715/mo
▼ 0.25% · 3.875%
HK$146,622
−HK$3,885/mo
Today · 4.125%
HK$150,507
baseline
▲ 0.50% · 4.625%
HK$158,441
+HK$7,934/mo
Deposit HK$12.06M · loan HK$28.14M · min. income ≈ HK$301,014/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,708,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,026
−HK$10,349/mo
▼ 0.25% · 3.875%
HK$170,160
−HK$5,215/mo
Today · 4.125%
HK$175,375
baseline
▲ 0.50% · 4.625%
HK$186,046
+HK$10,671/mo
Deposit HK$4.02M · loan HK$36.19M · min. income ≈ HK$350,750/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,708,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,590
−HK$9,919/mo
▼ 0.25% · 3.875%
HK$188,514
−HK$4,995/mo
Today · 4.125%
HK$193,509
baseline
▲ 0.50% · 4.625%
HK$203,709
+HK$10,200/mo
Deposit HK$4.02M · loan HK$36.19M · min. income ≈ HK$387,018/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,708,781 · Scale 2, in force from 26 Feb 2026)