LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,285
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,187
−HK$2,948/mo
Today · 4.125%
HK$99,135
baseline
▲ 0.50% · 4.625%
HK$105,167
+HK$6,032/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$198,270/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,779
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,562
−HK$2,824/mo
Today · 4.125%
HK$109,386
baseline
▲ 0.50% · 4.625%
HK$115,152
+HK$5,766/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$218,772/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,942
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$115,424
−HK$3,538/mo
Today · 4.125%
HK$118,962
baseline
▲ 0.50% · 4.625%
HK$126,200
+HK$7,238/mo
Deposit HK$16.36M · loan HK$24.55M · min. income ≈ HK$237,924/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,535
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,874
−HK$3,389/mo
Today · 4.125%
HK$131,263
baseline
▲ 0.50% · 4.625%
HK$138,182
+HK$6,919/mo
Deposit HK$16.36M · loan HK$24.55M · min. income ≈ HK$262,526/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,599
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$134,662
−HK$4,127/mo
Today · 4.125%
HK$138,789
baseline
▲ 0.50% · 4.625%
HK$147,234
+HK$8,445/mo
Deposit HK$12.27M · loan HK$28.64M · min. income ≈ HK$277,578/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,290
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$149,187
−HK$3,953/mo
Today · 4.125%
HK$153,140
baseline
▲ 0.50% · 4.625%
HK$161,212
+HK$8,072/mo
Deposit HK$12.27M · loan HK$28.64M · min. income ≈ HK$306,280/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,913
−HK$10,530/mo
▼ 0.25% · 3.875%
HK$173,136
−HK$5,307/mo
Today · 4.125%
HK$178,443
baseline
▲ 0.50% · 4.625%
HK$189,301
+HK$10,858/mo
Deposit HK$4.09M · loan HK$36.82M · min. income ≈ HK$356,886/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,802
−HK$10,092/mo
▼ 0.25% · 3.875%
HK$191,812
−HK$5,082/mo
Today · 4.125%
HK$196,894
baseline
▲ 0.50% · 4.625%
HK$207,273
+HK$10,379/mo
Deposit HK$4.09M · loan HK$36.82M · min. income ≈ HK$393,788/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,673 · Scale 2, in force from 26 Feb 2026)