LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,503
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$96,411
−HK$2,955/mo
Today · 4.125%
HK$99,366
baseline
▲ 0.50% · 4.625%
HK$105,412
+HK$6,046/mo
Deposit HK$20.50M · loan HK$20.50M · min. income ≈ HK$198,732/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,742,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,021
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,811
−HK$2,830/mo
Today · 4.125%
HK$109,641
baseline
▲ 0.50% · 4.625%
HK$115,420
+HK$5,779/mo
Deposit HK$20.50M · loan HK$20.50M · min. income ≈ HK$219,282/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,742,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,203
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$115,693
−HK$3,546/mo
Today · 4.125%
HK$119,239
baseline
▲ 0.50% · 4.625%
HK$126,495
+HK$7,256/mo
Deposit HK$16.40M · loan HK$24.60M · min. income ≈ HK$238,478/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,742,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,825
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,173
−HK$3,396/mo
Today · 4.125%
HK$131,569
baseline
▲ 0.50% · 4.625%
HK$138,504
+HK$6,935/mo
Deposit HK$16.40M · loan HK$24.60M · min. income ≈ HK$263,138/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,742,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,904
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$134,976
−HK$4,137/mo
Today · 4.125%
HK$139,113
baseline
▲ 0.50% · 4.625%
HK$147,577
+HK$8,464/mo
Deposit HK$12.30M · loan HK$28.70M · min. income ≈ HK$278,226/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,742,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,629
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$149,535
−HK$3,962/mo
Today · 4.125%
HK$153,497
baseline
▲ 0.50% · 4.625%
HK$161,588
+HK$8,091/mo
Deposit HK$12.30M · loan HK$28.70M · min. income ≈ HK$306,994/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,742,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,305
−HK$10,554/mo
▼ 0.25% · 3.875%
HK$173,540
−HK$5,319/mo
Today · 4.125%
HK$178,859
baseline
▲ 0.50% · 4.625%
HK$189,742
+HK$10,883/mo
Deposit HK$4.10M · loan HK$36.90M · min. income ≈ HK$357,718/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,237
−HK$10,116/mo
▼ 0.25% · 3.875%
HK$192,259
−HK$5,094/mo
Today · 4.125%
HK$197,353
baseline
▲ 0.50% · 4.625%
HK$207,756
+HK$10,403/mo
Deposit HK$4.10M · loan HK$36.90M · min. income ≈ HK$394,706/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,727 · Scale 2, in force from 26 Feb 2026)