LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,573
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$96,484
−HK$2,957/mo
Today · 4.125%
HK$99,441
baseline
▲ 0.50% · 4.625%
HK$105,492
+HK$6,051/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$198,882/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$1,744,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,099
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,891
−HK$2,832/mo
Today · 4.125%
HK$109,723
baseline
▲ 0.50% · 4.625%
HK$115,507
+HK$5,784/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$219,446/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$1,744,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,288
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$115,781
−HK$3,548/mo
Today · 4.125%
HK$119,329
baseline
▲ 0.50% · 4.625%
HK$126,590
+HK$7,261/mo
Deposit HK$16.41M · loan HK$24.62M · min. income ≈ HK$238,658/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,919
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,269
−HK$3,399/mo
Today · 4.125%
HK$131,668
baseline
▲ 0.50% · 4.625%
HK$138,608
+HK$6,940/mo
Deposit HK$16.41M · loan HK$24.62M · min. income ≈ HK$263,336/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,002
−HK$8,215/mo
▼ 0.25% · 3.875%
HK$135,077
−HK$4,140/mo
Today · 4.125%
HK$139,217
baseline
▲ 0.50% · 4.625%
HK$147,688
+HK$8,471/mo
Deposit HK$12.31M · loan HK$28.73M · min. income ≈ HK$278,434/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,744,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,739
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$149,648
−HK$3,965/mo
Today · 4.125%
HK$153,613
baseline
▲ 0.50% · 4.625%
HK$161,710
+HK$8,097/mo
Deposit HK$12.31M · loan HK$28.73M · min. income ≈ HK$307,226/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,744,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,432
−HK$10,562/mo
▼ 0.25% · 3.875%
HK$173,671
−HK$5,323/mo
Today · 4.125%
HK$178,994
baseline
▲ 0.50% · 4.625%
HK$189,885
+HK$10,891/mo
Deposit HK$4.10M · loan HK$36.93M · min. income ≈ HK$357,988/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,379
−HK$10,123/mo
▼ 0.25% · 3.875%
HK$192,404
−HK$5,098/mo
Today · 4.125%
HK$197,502
baseline
▲ 0.50% · 4.625%
HK$207,913
+HK$10,411/mo
Deposit HK$4.10M · loan HK$36.93M · min. income ≈ HK$395,004/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,041 · Scale 2, in force from 26 Feb 2026)