LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,041
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,935
−HK$2,940/mo
Today · 4.125%
HK$98,875
baseline
▲ 0.50% · 4.625%
HK$104,891
+HK$6,016/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$197,750/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,507
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,283
−HK$2,816/mo
Today · 4.125%
HK$109,099
baseline
▲ 0.50% · 4.625%
HK$114,850
+HK$5,751/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$218,198/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,649
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$115,122
−HK$3,528/mo
Today · 4.125%
HK$118,650
baseline
▲ 0.50% · 4.625%
HK$125,870
+HK$7,220/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$237,300/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,208
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$127,539
−HK$3,380/mo
Today · 4.125%
HK$130,919
baseline
▲ 0.50% · 4.625%
HK$137,820
+HK$6,901/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$261,838/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,257
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$134,309
−HK$4,116/mo
Today · 4.125%
HK$138,425
baseline
▲ 0.50% · 4.625%
HK$146,848
+HK$8,423/mo
Deposit HK$12.24M · loan HK$28.56M · min. income ≈ HK$276,850/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,734,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,909
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$148,796
−HK$3,942/mo
Today · 4.125%
HK$152,738
baseline
▲ 0.50% · 4.625%
HK$160,790
+HK$8,052/mo
Deposit HK$12.24M · loan HK$28.56M · min. income ≈ HK$305,476/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,734,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,473
−HK$10,502/mo
▼ 0.25% · 3.875%
HK$172,683
−HK$5,292/mo
Today · 4.125%
HK$177,975
baseline
▲ 0.50% · 4.625%
HK$188,805
+HK$10,830/mo
Deposit HK$4.08M · loan HK$36.72M · min. income ≈ HK$355,950/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,734,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,312
−HK$10,066/mo
▼ 0.25% · 3.875%
HK$191,309
−HK$5,069/mo
Today · 4.125%
HK$196,378
baseline
▲ 0.50% · 4.625%
HK$206,729
+HK$10,351/mo
Deposit HK$4.08M · loan HK$36.72M · min. income ≈ HK$392,756/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,734,116 · Scale 2, in force from 26 Feb 2026)