LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,577
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$96,487
−HK$2,958/mo
Today · 4.125%
HK$99,445
baseline
▲ 0.50% · 4.625%
HK$105,496
+HK$6,051/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$198,890/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$1,744,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,103
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,895
−HK$2,833/mo
Today · 4.125%
HK$109,728
baseline
▲ 0.50% · 4.625%
HK$115,511
+HK$5,783/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$219,456/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$1,744,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,292
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,785
−HK$3,549/mo
Today · 4.125%
HK$119,334
baseline
▲ 0.50% · 4.625%
HK$126,595
+HK$7,261/mo
Deposit HK$16.42M · loan HK$24.62M · min. income ≈ HK$238,668/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,924
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,274
−HK$3,399/mo
Today · 4.125%
HK$131,673
baseline
▲ 0.50% · 4.625%
HK$138,614
+HK$6,941/mo
Deposit HK$16.42M · loan HK$24.62M · min. income ≈ HK$263,346/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,007
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$135,082
−HK$4,141/mo
Today · 4.125%
HK$139,223
baseline
▲ 0.50% · 4.625%
HK$147,694
+HK$8,471/mo
Deposit HK$12.31M · loan HK$28.73M · min. income ≈ HK$278,446/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,744
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$149,653
−HK$3,966/mo
Today · 4.125%
HK$153,619
baseline
▲ 0.50% · 4.625%
HK$161,716
+HK$8,097/mo
Deposit HK$12.31M · loan HK$28.73M · min. income ≈ HK$307,238/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,438
−HK$10,563/mo
▼ 0.25% · 3.875%
HK$173,677
−HK$5,324/mo
Today · 4.125%
HK$179,001
baseline
▲ 0.50% · 4.625%
HK$189,892
+HK$10,891/mo
Deposit HK$4.10M · loan HK$36.93M · min. income ≈ HK$358,002/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,386
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$192,411
−HK$5,099/mo
Today · 4.125%
HK$197,510
baseline
▲ 0.50% · 4.625%
HK$207,921
+HK$10,411/mo
Deposit HK$4.10M · loan HK$36.93M · min. income ≈ HK$395,020/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,107 · Scale 2, in force from 26 Feb 2026)