LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,605
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$96,517
−HK$2,958/mo
Today · 4.125%
HK$99,475
baseline
▲ 0.50% · 4.625%
HK$105,528
+HK$6,053/mo
Deposit HK$20.53M · loan HK$20.53M · min. income ≈ HK$198,950/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,135
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$106,928
−HK$2,833/mo
Today · 4.125%
HK$109,761
baseline
▲ 0.50% · 4.625%
HK$115,546
+HK$5,785/mo
Deposit HK$20.53M · loan HK$20.53M · min. income ≈ HK$219,522/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,326
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$115,820
−HK$3,550/mo
Today · 4.125%
HK$119,370
baseline
▲ 0.50% · 4.625%
HK$126,633
+HK$7,263/mo
Deposit HK$16.42M · loan HK$24.63M · min. income ≈ HK$238,740/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,962
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$128,313
−HK$3,400/mo
Today · 4.125%
HK$131,713
baseline
▲ 0.50% · 4.625%
HK$138,656
+HK$6,943/mo
Deposit HK$16.42M · loan HK$24.63M · min. income ≈ HK$263,426/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,047
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$135,123
−HK$4,142/mo
Today · 4.125%
HK$139,265
baseline
▲ 0.50% · 4.625%
HK$147,739
+HK$8,474/mo
Deposit HK$12.32M · loan HK$28.74M · min. income ≈ HK$278,530/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,789
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$149,699
−HK$3,966/mo
Today · 4.125%
HK$153,665
baseline
▲ 0.50% · 4.625%
HK$161,765
+HK$8,100/mo
Deposit HK$12.32M · loan HK$28.74M · min. income ≈ HK$307,330/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,489
−HK$10,566/mo
▼ 0.25% · 3.875%
HK$173,730
−HK$5,325/mo
Today · 4.125%
HK$179,055
baseline
▲ 0.50% · 4.625%
HK$189,950
+HK$10,895/mo
Deposit HK$4.11M · loan HK$36.95M · min. income ≈ HK$358,110/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,443
−HK$10,126/mo
▼ 0.25% · 3.875%
HK$192,470
−HK$5,099/mo
Today · 4.125%
HK$197,569
baseline
▲ 0.50% · 4.625%
HK$207,984
+HK$10,415/mo
Deposit HK$4.11M · loan HK$36.95M · min. income ≈ HK$395,138/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,636 · Scale 2, in force from 26 Feb 2026)