LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,230
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$96,130
−HK$2,946/mo
Today · 4.125%
HK$99,076
baseline
▲ 0.50% · 4.625%
HK$105,105
+HK$6,029/mo
Deposit HK$20.44M · loan HK$20.44M · min. income ≈ HK$198,152/mo (50% DSR)
Upfront cash ≈ HK$22.18M (deposit + AVD stamp duty HK$1,737,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,717
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$106,499
−HK$2,822/mo
Today · 4.125%
HK$109,321
baseline
▲ 0.50% · 4.625%
HK$115,083
+HK$5,762/mo
Deposit HK$20.44M · loan HK$20.44M · min. income ≈ HK$218,642/mo (50% DSR)
Upfront cash ≈ HK$22.18M (deposit + AVD stamp duty HK$1,737,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,876
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$115,356
−HK$3,535/mo
Today · 4.125%
HK$118,891
baseline
▲ 0.50% · 4.625%
HK$126,126
+HK$7,235/mo
Deposit HK$16.35M · loan HK$24.53M · min. income ≈ HK$237,782/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,737,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,461
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$127,799
−HK$3,386/mo
Today · 4.125%
HK$131,185
baseline
▲ 0.50% · 4.625%
HK$138,100
+HK$6,915/mo
Deposit HK$16.35M · loan HK$24.53M · min. income ≈ HK$262,370/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,737,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,522
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$134,582
−HK$4,124/mo
Today · 4.125%
HK$138,706
baseline
▲ 0.50% · 4.625%
HK$147,146
+HK$8,440/mo
Deposit HK$12.27M · loan HK$28.62M · min. income ≈ HK$277,412/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,737,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,204
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$149,098
−HK$3,951/mo
Today · 4.125%
HK$153,049
baseline
▲ 0.50% · 4.625%
HK$161,116
+HK$8,067/mo
Deposit HK$12.27M · loan HK$28.62M · min. income ≈ HK$306,098/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,737,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,814
−HK$10,523/mo
▼ 0.25% · 3.875%
HK$173,033
−HK$5,304/mo
Today · 4.125%
HK$178,337
baseline
▲ 0.50% · 4.625%
HK$189,188
+HK$10,851/mo
Deposit HK$4.09M · loan HK$36.80M · min. income ≈ HK$356,674/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,737,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,691
−HK$10,086/mo
▼ 0.25% · 3.875%
HK$191,698
−HK$5,079/mo
Today · 4.125%
HK$196,777
baseline
▲ 0.50% · 4.625%
HK$207,150
+HK$10,373/mo
Deposit HK$4.09M · loan HK$36.80M · min. income ≈ HK$393,554/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,737,640 · Scale 2, in force from 26 Feb 2026)