LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,407
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,313
−HK$2,952/mo
Today · 4.125%
HK$99,265
baseline
▲ 0.50% · 4.625%
HK$105,305
+HK$6,040/mo
Deposit HK$20.48M · loan HK$20.48M · min. income ≈ HK$198,530/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$1,740,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,915
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$106,702
−HK$2,827/mo
Today · 4.125%
HK$109,529
baseline
▲ 0.50% · 4.625%
HK$115,302
+HK$5,773/mo
Deposit HK$20.48M · loan HK$20.48M · min. income ≈ HK$219,058/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$1,740,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,089
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$115,575
−HK$3,543/mo
Today · 4.125%
HK$119,118
baseline
▲ 0.50% · 4.625%
HK$126,366
+HK$7,248/mo
Deposit HK$16.39M · loan HK$24.58M · min. income ≈ HK$238,236/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,740,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,698
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$128,042
−HK$3,393/mo
Today · 4.125%
HK$131,435
baseline
▲ 0.50% · 4.625%
HK$138,363
+HK$6,928/mo
Deposit HK$16.39M · loan HK$24.58M · min. income ≈ HK$262,870/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,740,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,770
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$134,838
−HK$4,133/mo
Today · 4.125%
HK$138,971
baseline
▲ 0.50% · 4.625%
HK$147,427
+HK$8,456/mo
Deposit HK$12.29M · loan HK$28.67M · min. income ≈ HK$277,942/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,740,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,481
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$149,382
−HK$3,959/mo
Today · 4.125%
HK$153,341
baseline
▲ 0.50% · 4.625%
HK$161,423
+HK$8,082/mo
Deposit HK$12.29M · loan HK$28.67M · min. income ≈ HK$306,682/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,740,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,133
−HK$10,544/mo
▼ 0.25% · 3.875%
HK$173,363
−HK$5,314/mo
Today · 4.125%
HK$178,677
baseline
▲ 0.50% · 4.625%
HK$189,549
+HK$10,872/mo
Deposit HK$4.10M · loan HK$36.87M · min. income ≈ HK$357,354/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,740,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,047
−HK$10,105/mo
▼ 0.25% · 3.875%
HK$192,063
−HK$5,089/mo
Today · 4.125%
HK$197,152
baseline
▲ 0.50% · 4.625%
HK$207,544
+HK$10,392/mo
Deposit HK$4.10M · loan HK$36.87M · min. income ≈ HK$394,304/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,740,951 · Scale 2, in force from 26 Feb 2026)