LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,583
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,494
−HK$2,958/mo
Today · 4.125%
HK$99,452
baseline
▲ 0.50% · 4.625%
HK$105,503
+HK$6,051/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$198,904/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$1,744,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,110
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,903
−HK$2,832/mo
Today · 4.125%
HK$109,735
baseline
▲ 0.50% · 4.625%
HK$115,519
+HK$5,784/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$219,470/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$1,744,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,300
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,793
−HK$3,549/mo
Today · 4.125%
HK$119,342
baseline
▲ 0.50% · 4.625%
HK$126,604
+HK$7,262/mo
Deposit HK$16.42M · loan HK$24.62M · min. income ≈ HK$238,684/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,932
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$128,283
−HK$3,399/mo
Today · 4.125%
HK$131,682
baseline
▲ 0.50% · 4.625%
HK$138,623
+HK$6,941/mo
Deposit HK$16.42M · loan HK$24.62M · min. income ≈ HK$263,364/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,016
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$135,092
−HK$4,140/mo
Today · 4.125%
HK$139,232
baseline
▲ 0.50% · 4.625%
HK$147,704
+HK$8,472/mo
Deposit HK$12.31M · loan HK$28.73M · min. income ≈ HK$278,464/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,755
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$149,664
−HK$3,965/mo
Today · 4.125%
HK$153,629
baseline
▲ 0.50% · 4.625%
HK$161,727
+HK$8,098/mo
Deposit HK$12.31M · loan HK$28.73M · min. income ≈ HK$307,258/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,450
−HK$10,563/mo
▼ 0.25% · 3.875%
HK$173,690
−HK$5,323/mo
Today · 4.125%
HK$179,013
baseline
▲ 0.50% · 4.625%
HK$189,906
+HK$10,893/mo
Deposit HK$4.10M · loan HK$36.94M · min. income ≈ HK$358,026/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,399
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$192,425
−HK$5,098/mo
Today · 4.125%
HK$197,523
baseline
▲ 0.50% · 4.625%
HK$207,935
+HK$10,412/mo
Deposit HK$4.10M · loan HK$36.94M · min. income ≈ HK$395,046/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,228 · Scale 2, in force from 26 Feb 2026)