LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,397
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$96,302
−HK$2,952/mo
Today · 4.125%
HK$99,254
baseline
▲ 0.50% · 4.625%
HK$105,293
+HK$6,039/mo
Deposit HK$20.48M · loan HK$20.48M · min. income ≈ HK$198,508/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$1,740,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,903
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$106,690
−HK$2,827/mo
Today · 4.125%
HK$109,517
baseline
▲ 0.50% · 4.625%
HK$115,289
+HK$5,772/mo
Deposit HK$20.48M · loan HK$20.48M · min. income ≈ HK$219,034/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$1,740,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,076
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$115,563
−HK$3,541/mo
Today · 4.125%
HK$119,104
baseline
▲ 0.50% · 4.625%
HK$126,352
+HK$7,248/mo
Deposit HK$16.38M · loan HK$24.58M · min. income ≈ HK$238,208/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,684
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,028
−HK$3,392/mo
Today · 4.125%
HK$131,420
baseline
▲ 0.50% · 4.625%
HK$138,347
+HK$6,927/mo
Deposit HK$16.38M · loan HK$24.58M · min. income ≈ HK$262,840/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,756
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$134,823
−HK$4,132/mo
Today · 4.125%
HK$138,955
baseline
▲ 0.50% · 4.625%
HK$147,410
+HK$8,455/mo
Deposit HK$12.29M · loan HK$28.67M · min. income ≈ HK$277,910/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,740,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,464
−HK$7,859/mo
▼ 0.25% · 3.875%
HK$149,366
−HK$3,957/mo
Today · 4.125%
HK$153,323
baseline
▲ 0.50% · 4.625%
HK$161,405
+HK$8,082/mo
Deposit HK$12.29M · loan HK$28.67M · min. income ≈ HK$306,646/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,740,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,114
−HK$10,543/mo
▼ 0.25% · 3.875%
HK$173,344
−HK$5,313/mo
Today · 4.125%
HK$178,657
baseline
▲ 0.50% · 4.625%
HK$189,528
+HK$10,871/mo
Deposit HK$4.10M · loan HK$36.86M · min. income ≈ HK$357,314/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,740,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,026
−HK$10,104/mo
▼ 0.25% · 3.875%
HK$192,042
−HK$5,088/mo
Today · 4.125%
HK$197,130
baseline
▲ 0.50% · 4.625%
HK$207,521
+HK$10,391/mo
Deposit HK$4.10M · loan HK$36.86M · min. income ≈ HK$394,260/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,740,756 · Scale 2, in force from 26 Feb 2026)