LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,512
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,420
−HK$2,956/mo
Today · 4.125%
HK$99,376
baseline
▲ 0.50% · 4.625%
HK$105,423
+HK$6,047/mo
Deposit HK$20.50M · loan HK$20.50M · min. income ≈ HK$198,752/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,742,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,031
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,821
−HK$2,830/mo
Today · 4.125%
HK$109,651
baseline
▲ 0.50% · 4.625%
HK$115,431
+HK$5,780/mo
Deposit HK$20.50M · loan HK$20.50M · min. income ≈ HK$219,302/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,742,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,214
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,705
−HK$3,546/mo
Today · 4.125%
HK$119,251
baseline
▲ 0.50% · 4.625%
HK$126,507
+HK$7,256/mo
Deposit HK$16.40M · loan HK$24.61M · min. income ≈ HK$238,502/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,742,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,837
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$128,185
−HK$3,397/mo
Today · 4.125%
HK$131,582
baseline
▲ 0.50% · 4.625%
HK$138,517
+HK$6,935/mo
Deposit HK$16.40M · loan HK$24.61M · min. income ≈ HK$263,164/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,742,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,916
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$134,989
−HK$4,137/mo
Today · 4.125%
HK$139,126
baseline
▲ 0.50% · 4.625%
HK$147,592
+HK$8,466/mo
Deposit HK$12.30M · loan HK$28.71M · min. income ≈ HK$278,252/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,742,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,643
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$149,549
−HK$3,963/mo
Today · 4.125%
HK$153,512
baseline
▲ 0.50% · 4.625%
HK$161,604
+HK$8,092/mo
Deposit HK$12.30M · loan HK$28.71M · min. income ≈ HK$307,024/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,742,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,321
−HK$10,555/mo
▼ 0.25% · 3.875%
HK$173,557
−HK$5,319/mo
Today · 4.125%
HK$178,876
baseline
▲ 0.50% · 4.625%
HK$189,761
+HK$10,885/mo
Deposit HK$4.10M · loan HK$36.91M · min. income ≈ HK$357,752/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,256
−HK$10,116/mo
▼ 0.25% · 3.875%
HK$192,278
−HK$5,094/mo
Today · 4.125%
HK$197,372
baseline
▲ 0.50% · 4.625%
HK$207,776
+HK$10,404/mo
Deposit HK$4.10M · loan HK$36.91M · min. income ≈ HK$394,744/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,896 · Scale 2, in force from 26 Feb 2026)