LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,514
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,423
−HK$2,955/mo
Today · 4.125%
HK$99,378
baseline
▲ 0.50% · 4.625%
HK$105,425
+HK$6,047/mo
Deposit HK$20.51M · loan HK$20.51M · min. income ≈ HK$198,756/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,742,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,034
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,824
−HK$2,830/mo
Today · 4.125%
HK$109,654
baseline
▲ 0.50% · 4.625%
HK$115,434
+HK$5,780/mo
Deposit HK$20.51M · loan HK$20.51M · min. income ≈ HK$219,308/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,742,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,217
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,708
−HK$3,546/mo
Today · 4.125%
HK$119,254
baseline
▲ 0.50% · 4.625%
HK$126,510
+HK$7,256/mo
Deposit HK$16.40M · loan HK$24.61M · min. income ≈ HK$238,508/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,742,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,840
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$128,188
−HK$3,397/mo
Today · 4.125%
HK$131,585
baseline
▲ 0.50% · 4.625%
HK$138,521
+HK$6,936/mo
Deposit HK$16.40M · loan HK$24.61M · min. income ≈ HK$263,170/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,742,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,920
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$134,992
−HK$4,138/mo
Today · 4.125%
HK$139,130
baseline
▲ 0.50% · 4.625%
HK$147,595
+HK$8,465/mo
Deposit HK$12.30M · loan HK$28.71M · min. income ≈ HK$278,260/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,742,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,647
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$149,553
−HK$3,963/mo
Today · 4.125%
HK$153,516
baseline
▲ 0.50% · 4.625%
HK$161,608
+HK$8,092/mo
Deposit HK$12.30M · loan HK$28.71M · min. income ≈ HK$307,032/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,742,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,325
−HK$10,556/mo
▼ 0.25% · 3.875%
HK$173,561
−HK$5,320/mo
Today · 4.125%
HK$178,881
baseline
▲ 0.50% · 4.625%
HK$189,765
+HK$10,884/mo
Deposit HK$4.10M · loan HK$36.91M · min. income ≈ HK$357,762/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,260
−HK$10,117/mo
▼ 0.25% · 3.875%
HK$192,283
−HK$5,094/mo
Today · 4.125%
HK$197,377
baseline
▲ 0.50% · 4.625%
HK$207,782
+HK$10,405/mo
Deposit HK$4.10M · loan HK$36.91M · min. income ≈ HK$394,754/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,941 · Scale 2, in force from 26 Feb 2026)