LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,264
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,165
−HK$2,948/mo
Today · 4.125%
HK$99,113
baseline
▲ 0.50% · 4.625%
HK$105,143
+HK$6,030/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$198,226/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,755
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,538
−HK$2,823/mo
Today · 4.125%
HK$109,361
baseline
▲ 0.50% · 4.625%
HK$115,126
+HK$5,765/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$218,722/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,917
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,398
−HK$3,537/mo
Today · 4.125%
HK$118,935
baseline
▲ 0.50% · 4.625%
HK$126,172
+HK$7,237/mo
Deposit HK$16.36M · loan HK$24.54M · min. income ≈ HK$237,870/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,507
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$127,846
−HK$3,387/mo
Today · 4.125%
HK$131,233
baseline
▲ 0.50% · 4.625%
HK$138,151
+HK$6,918/mo
Deposit HK$16.36M · loan HK$24.54M · min. income ≈ HK$262,466/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,570
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$134,631
−HK$4,127/mo
Today · 4.125%
HK$138,758
baseline
▲ 0.50% · 4.625%
HK$147,201
+HK$8,443/mo
Deposit HK$12.27M · loan HK$28.63M · min. income ≈ HK$277,516/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,258
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$149,153
−HK$3,953/mo
Today · 4.125%
HK$153,106
baseline
▲ 0.50% · 4.625%
HK$161,176
+HK$8,070/mo
Deposit HK$12.27M · loan HK$28.63M · min. income ≈ HK$306,212/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,876
−HK$10,527/mo
▼ 0.25% · 3.875%
HK$173,097
−HK$5,306/mo
Today · 4.125%
HK$178,403
baseline
▲ 0.50% · 4.625%
HK$189,258
+HK$10,855/mo
Deposit HK$4.09M · loan HK$36.81M · min. income ≈ HK$356,806/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,760
−HK$10,090/mo
▼ 0.25% · 3.875%
HK$191,769
−HK$5,081/mo
Today · 4.125%
HK$196,850
baseline
▲ 0.50% · 4.625%
HK$207,226
+HK$10,376/mo
Deposit HK$4.09M · loan HK$36.81M · min. income ≈ HK$393,700/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,282 · Scale 2, in force from 26 Feb 2026)