LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,516
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,425
−HK$2,955/mo
Today · 4.125%
HK$99,380
baseline
▲ 0.50% · 4.625%
HK$105,427
+HK$6,047/mo
Deposit HK$20.51M · loan HK$20.51M · min. income ≈ HK$198,760/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,742,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,036
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,826
−HK$2,830/mo
Today · 4.125%
HK$109,656
baseline
▲ 0.50% · 4.625%
HK$115,437
+HK$5,781/mo
Deposit HK$20.51M · loan HK$20.51M · min. income ≈ HK$219,312/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,742,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,219
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,710
−HK$3,546/mo
Today · 4.125%
HK$119,256
baseline
▲ 0.50% · 4.625%
HK$126,513
+HK$7,257/mo
Deposit HK$16.40M · loan HK$24.61M · min. income ≈ HK$238,512/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,742,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,843
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$128,191
−HK$3,397/mo
Today · 4.125%
HK$131,588
baseline
▲ 0.50% · 4.625%
HK$138,524
+HK$6,936/mo
Deposit HK$16.40M · loan HK$24.61M · min. income ≈ HK$263,176/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,742,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,922
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$134,995
−HK$4,137/mo
Today · 4.125%
HK$139,132
baseline
▲ 0.50% · 4.625%
HK$147,598
+HK$8,466/mo
Deposit HK$12.30M · loan HK$28.71M · min. income ≈ HK$278,264/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,742,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,650
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$149,556
−HK$3,963/mo
Today · 4.125%
HK$153,519
baseline
▲ 0.50% · 4.625%
HK$161,611
+HK$8,092/mo
Deposit HK$12.30M · loan HK$28.71M · min. income ≈ HK$307,038/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,742,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,329
−HK$10,556/mo
▼ 0.25% · 3.875%
HK$173,565
−HK$5,320/mo
Today · 4.125%
HK$178,885
baseline
▲ 0.50% · 4.625%
HK$189,769
+HK$10,884/mo
Deposit HK$4.10M · loan HK$36.91M · min. income ≈ HK$357,770/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,264
−HK$10,118/mo
▼ 0.25% · 3.875%
HK$192,287
−HK$5,095/mo
Today · 4.125%
HK$197,382
baseline
▲ 0.50% · 4.625%
HK$207,786
+HK$10,404/mo
Deposit HK$4.10M · loan HK$36.91M · min. income ≈ HK$394,764/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,977 · Scale 2, in force from 26 Feb 2026)