LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,344
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,247
−HK$2,950/mo
Today · 4.125%
HK$99,197
baseline
▲ 0.50% · 4.625%
HK$105,233
+HK$6,036/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$198,394/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$1,739,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,844
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,629
−HK$2,825/mo
Today · 4.125%
HK$109,454
baseline
▲ 0.50% · 4.625%
HK$115,224
+HK$5,770/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$218,908/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$1,739,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,012
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$115,496
−HK$3,540/mo
Today · 4.125%
HK$119,036
baseline
▲ 0.50% · 4.625%
HK$126,279
+HK$7,243/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$238,072/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,613
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$127,955
−HK$3,390/mo
Today · 4.125%
HK$131,345
baseline
▲ 0.50% · 4.625%
HK$138,268
+HK$6,923/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$262,690/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,681
−HK$8,195/mo
▼ 0.25% · 3.875%
HK$134,746
−HK$4,130/mo
Today · 4.125%
HK$138,876
baseline
▲ 0.50% · 4.625%
HK$147,326
+HK$8,450/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$277,752/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,381
−HK$7,855/mo
▼ 0.25% · 3.875%
HK$149,280
−HK$3,956/mo
Today · 4.125%
HK$153,236
baseline
▲ 0.50% · 4.625%
HK$161,313
+HK$8,077/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$306,472/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,018
−HK$10,537/mo
▼ 0.25% · 3.875%
HK$173,245
−HK$5,310/mo
Today · 4.125%
HK$178,555
baseline
▲ 0.50% · 4.625%
HK$189,419
+HK$10,864/mo
Deposit HK$4.09M · loan HK$36.84M · min. income ≈ HK$357,110/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,919
−HK$10,098/mo
▼ 0.25% · 3.875%
HK$191,932
−HK$5,085/mo
Today · 4.125%
HK$197,017
baseline
▲ 0.50% · 4.625%
HK$207,402
+HK$10,385/mo
Deposit HK$4.09M · loan HK$36.84M · min. income ≈ HK$394,034/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,761 · Scale 2, in force from 26 Feb 2026)