LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,332
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$96,235
−HK$2,949/mo
Today · 4.125%
HK$99,184
baseline
▲ 0.50% · 4.625%
HK$105,220
+HK$6,036/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$198,368/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$1,739,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,831
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$106,615
−HK$2,825/mo
Today · 4.125%
HK$109,440
baseline
▲ 0.50% · 4.625%
HK$115,209
+HK$5,769/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$218,880/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$1,739,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,998
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$115,482
−HK$3,539/mo
Today · 4.125%
HK$119,021
baseline
▲ 0.50% · 4.625%
HK$126,263
+HK$7,242/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$238,042/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,597
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$127,938
−HK$3,390/mo
Today · 4.125%
HK$131,328
baseline
▲ 0.50% · 4.625%
HK$138,251
+HK$6,923/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$262,656/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,664
−HK$8,194/mo
▼ 0.25% · 3.875%
HK$134,729
−HK$4,129/mo
Today · 4.125%
HK$138,858
baseline
▲ 0.50% · 4.625%
HK$147,307
+HK$8,449/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$277,716/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,363
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$149,261
−HK$3,955/mo
Today · 4.125%
HK$153,216
baseline
▲ 0.50% · 4.625%
HK$161,292
+HK$8,076/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$306,432/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,997
−HK$10,535/mo
▼ 0.25% · 3.875%
HK$173,223
−HK$5,309/mo
Today · 4.125%
HK$178,532
baseline
▲ 0.50% · 4.625%
HK$189,395
+HK$10,863/mo
Deposit HK$4.09M · loan HK$36.84M · min. income ≈ HK$357,064/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,895
−HK$10,097/mo
▼ 0.25% · 3.875%
HK$191,907
−HK$5,085/mo
Today · 4.125%
HK$196,992
baseline
▲ 0.50% · 4.625%
HK$207,376
+HK$10,384/mo
Deposit HK$4.09M · loan HK$36.84M · min. income ≈ HK$393,984/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,540 · Scale 2, in force from 26 Feb 2026)