LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,197
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$96,096
−HK$2,946/mo
Today · 4.125%
HK$99,042
baseline
▲ 0.50% · 4.625%
HK$105,068
+HK$6,026/mo
Deposit HK$20.44M · loan HK$20.44M · min. income ≈ HK$198,084/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,737,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,681
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,462
−HK$2,821/mo
Today · 4.125%
HK$109,283
baseline
▲ 0.50% · 4.625%
HK$115,043
+HK$5,760/mo
Deposit HK$20.44M · loan HK$20.44M · min. income ≈ HK$218,566/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,737,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,837
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$115,316
−HK$3,534/mo
Today · 4.125%
HK$118,850
baseline
▲ 0.50% · 4.625%
HK$126,082
+HK$7,232/mo
Deposit HK$16.35M · loan HK$24.52M · min. income ≈ HK$237,700/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,737,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,418
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,754
−HK$3,385/mo
Today · 4.125%
HK$131,139
baseline
▲ 0.50% · 4.625%
HK$138,052
+HK$6,913/mo
Deposit HK$16.35M · loan HK$24.52M · min. income ≈ HK$262,278/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,737,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,476
−HK$8,182/mo
▼ 0.25% · 3.875%
HK$134,535
−HK$4,123/mo
Today · 4.125%
HK$138,658
baseline
▲ 0.50% · 4.625%
HK$147,096
+HK$8,438/mo
Deposit HK$12.26M · loan HK$28.61M · min. income ≈ HK$277,316/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,737,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,154
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$149,047
−HK$3,949/mo
Today · 4.125%
HK$152,996
baseline
▲ 0.50% · 4.625%
HK$161,061
+HK$8,065/mo
Deposit HK$12.26M · loan HK$28.61M · min. income ≈ HK$305,992/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,737,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,755
−HK$10,520/mo
▼ 0.25% · 3.875%
HK$172,974
−HK$5,301/mo
Today · 4.125%
HK$178,275
baseline
▲ 0.50% · 4.625%
HK$189,123
+HK$10,848/mo
Deposit HK$4.09M · loan HK$36.78M · min. income ≈ HK$356,550/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,737,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,626
−HK$10,083/mo
▼ 0.25% · 3.875%
HK$191,631
−HK$5,078/mo
Today · 4.125%
HK$196,709
baseline
▲ 0.50% · 4.625%
HK$207,078
+HK$10,369/mo
Deposit HK$4.09M · loan HK$36.78M · min. income ≈ HK$393,418/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,737,039 · Scale 2, in force from 26 Feb 2026)