LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,639
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$96,552
−HK$2,959/mo
Today · 4.125%
HK$99,511
baseline
▲ 0.50% · 4.625%
HK$105,566
+HK$6,055/mo
Deposit HK$20.53M · loan HK$20.53M · min. income ≈ HK$199,022/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$1,745,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,173
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$106,966
−HK$2,835/mo
Today · 4.125%
HK$109,801
baseline
▲ 0.50% · 4.625%
HK$115,588
+HK$5,787/mo
Deposit HK$20.53M · loan HK$20.53M · min. income ≈ HK$219,602/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$1,745,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,367
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$115,862
−HK$3,551/mo
Today · 4.125%
HK$119,413
baseline
▲ 0.50% · 4.625%
HK$126,679
+HK$7,266/mo
Deposit HK$16.43M · loan HK$24.64M · min. income ≈ HK$238,826/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,745,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,007
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$128,360
−HK$3,401/mo
Today · 4.125%
HK$131,761
baseline
▲ 0.50% · 4.625%
HK$138,706
+HK$6,945/mo
Deposit HK$16.43M · loan HK$24.64M · min. income ≈ HK$263,522/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,745,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,095
−HK$8,220/mo
▼ 0.25% · 3.875%
HK$135,172
−HK$4,143/mo
Today · 4.125%
HK$139,315
baseline
▲ 0.50% · 4.625%
HK$147,792
+HK$8,477/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$278,630/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,745,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,842
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$149,753
−HK$3,968/mo
Today · 4.125%
HK$153,721
baseline
▲ 0.50% · 4.625%
HK$161,824
+HK$8,103/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$307,442/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,745,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,550
−HK$10,570/mo
▼ 0.25% · 3.875%
HK$173,793
−HK$5,327/mo
Today · 4.125%
HK$179,120
baseline
▲ 0.50% · 4.625%
HK$190,019
+HK$10,899/mo
Deposit HK$4.11M · loan HK$36.96M · min. income ≈ HK$358,240/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,511
−HK$10,130/mo
▼ 0.25% · 3.875%
HK$192,539
−HK$5,102/mo
Today · 4.125%
HK$197,641
baseline
▲ 0.50% · 4.625%
HK$208,059
+HK$10,418/mo
Deposit HK$4.11M · loan HK$36.96M · min. income ≈ HK$395,282/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,269 · Scale 2, in force from 26 Feb 2026)