LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,320
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$96,223
−HK$2,949/mo
Today · 4.125%
HK$99,172
baseline
▲ 0.50% · 4.625%
HK$105,206
+HK$6,034/mo
Deposit HK$20.46M · loan HK$20.46M · min. income ≈ HK$198,344/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$1,739,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,818
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$106,602
−HK$2,825/mo
Today · 4.125%
HK$109,427
baseline
▲ 0.50% · 4.625%
HK$115,195
+HK$5,768/mo
Deposit HK$20.46M · loan HK$20.46M · min. income ≈ HK$218,854/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$1,739,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,984
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$115,467
−HK$3,539/mo
Today · 4.125%
HK$119,006
baseline
▲ 0.50% · 4.625%
HK$126,248
+HK$7,242/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$238,012/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,581
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$127,922
−HK$3,390/mo
Today · 4.125%
HK$131,312
baseline
▲ 0.50% · 4.625%
HK$138,233
+HK$6,921/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$262,624/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,648
−HK$8,193/mo
▼ 0.25% · 3.875%
HK$134,712
−HK$4,129/mo
Today · 4.125%
HK$138,841
baseline
▲ 0.50% · 4.625%
HK$147,289
+HK$8,448/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$277,682/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,345
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$149,243
−HK$3,954/mo
Today · 4.125%
HK$153,197
baseline
▲ 0.50% · 4.625%
HK$161,272
+HK$8,075/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$306,394/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,976
−HK$10,534/mo
▼ 0.25% · 3.875%
HK$173,201
−HK$5,309/mo
Today · 4.125%
HK$178,510
baseline
▲ 0.50% · 4.625%
HK$189,371
+HK$10,861/mo
Deposit HK$4.09M · loan HK$36.83M · min. income ≈ HK$357,020/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,872
−HK$10,096/mo
▼ 0.25% · 3.875%
HK$191,883
−HK$5,085/mo
Today · 4.125%
HK$196,968
baseline
▲ 0.50% · 4.625%
HK$207,350
+HK$10,382/mo
Deposit HK$4.09M · loan HK$36.83M · min. income ≈ HK$393,936/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,323 · Scale 2, in force from 26 Feb 2026)