LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,570
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$96,481
−HK$2,957/mo
Today · 4.125%
HK$99,438
baseline
▲ 0.50% · 4.625%
HK$105,488
+HK$6,050/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$198,876/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$1,743,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,096
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,888
−HK$2,832/mo
Today · 4.125%
HK$109,720
baseline
▲ 0.50% · 4.625%
HK$115,503
+HK$5,783/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$219,440/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$1,743,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,284
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$115,777
−HK$3,548/mo
Today · 4.125%
HK$119,325
baseline
▲ 0.50% · 4.625%
HK$126,586
+HK$7,261/mo
Deposit HK$16.41M · loan HK$24.62M · min. income ≈ HK$238,650/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,743,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,915
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,265
−HK$3,399/mo
Today · 4.125%
HK$131,664
baseline
▲ 0.50% · 4.625%
HK$138,604
+HK$6,940/mo
Deposit HK$16.41M · loan HK$24.62M · min. income ≈ HK$263,328/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,743,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,998
−HK$8,215/mo
▼ 0.25% · 3.875%
HK$135,073
−HK$4,140/mo
Today · 4.125%
HK$139,213
baseline
▲ 0.50% · 4.625%
HK$147,684
+HK$8,471/mo
Deposit HK$12.31M · loan HK$28.72M · min. income ≈ HK$278,426/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,743,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,734
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$149,643
−HK$3,965/mo
Today · 4.125%
HK$153,608
baseline
▲ 0.50% · 4.625%
HK$161,705
+HK$8,097/mo
Deposit HK$12.31M · loan HK$28.72M · min. income ≈ HK$307,216/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,743,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,426
−HK$10,562/mo
▼ 0.25% · 3.875%
HK$173,665
−HK$5,323/mo
Today · 4.125%
HK$178,988
baseline
▲ 0.50% · 4.625%
HK$189,879
+HK$10,891/mo
Deposit HK$4.10M · loan HK$36.93M · min. income ≈ HK$357,976/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,743,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,372
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$192,398
−HK$5,098/mo
Today · 4.125%
HK$197,496
baseline
▲ 0.50% · 4.625%
HK$207,906
+HK$10,410/mo
Deposit HK$4.10M · loan HK$36.93M · min. income ≈ HK$394,992/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,743,984 · Scale 2, in force from 26 Feb 2026)