LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,622
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,534
−HK$2,959/mo
Today · 4.125%
HK$99,493
baseline
▲ 0.50% · 4.625%
HK$105,547
+HK$6,054/mo
Deposit HK$20.53M · loan HK$20.53M · min. income ≈ HK$198,986/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,154
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,947
−HK$2,834/mo
Today · 4.125%
HK$109,781
baseline
▲ 0.50% · 4.625%
HK$115,568
+HK$5,787/mo
Deposit HK$20.53M · loan HK$20.53M · min. income ≈ HK$219,562/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,347
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$115,841
−HK$3,551/mo
Today · 4.125%
HK$119,392
baseline
▲ 0.50% · 4.625%
HK$126,656
+HK$7,264/mo
Deposit HK$16.42M · loan HK$24.63M · min. income ≈ HK$238,784/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,744,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,985
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$128,337
−HK$3,400/mo
Today · 4.125%
HK$131,737
baseline
▲ 0.50% · 4.625%
HK$138,681
+HK$6,944/mo
Deposit HK$16.42M · loan HK$24.63M · min. income ≈ HK$263,474/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,744,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,071
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$135,148
−HK$4,142/mo
Today · 4.125%
HK$139,290
baseline
▲ 0.50% · 4.625%
HK$147,766
+HK$8,476/mo
Deposit HK$12.32M · loan HK$28.74M · min. income ≈ HK$278,580/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,815
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$149,726
−HK$3,967/mo
Today · 4.125%
HK$153,693
baseline
▲ 0.50% · 4.625%
HK$161,795
+HK$8,102/mo
Deposit HK$12.32M · loan HK$28.74M · min. income ≈ HK$307,386/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,520
−HK$10,568/mo
▼ 0.25% · 3.875%
HK$173,762
−HK$5,326/mo
Today · 4.125%
HK$179,088
baseline
▲ 0.50% · 4.625%
HK$189,985
+HK$10,897/mo
Deposit HK$4.11M · loan HK$36.95M · min. income ≈ HK$358,176/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,477
−HK$10,129/mo
▼ 0.25% · 3.875%
HK$192,505
−HK$5,101/mo
Today · 4.125%
HK$197,606
baseline
▲ 0.50% · 4.625%
HK$208,022
+HK$10,416/mo
Deposit HK$4.11M · loan HK$36.95M · min. income ≈ HK$395,212/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,955 · Scale 2, in force from 26 Feb 2026)