LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,662
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,575
−HK$2,960/mo
Today · 4.125%
HK$99,535
baseline
▲ 0.50% · 4.625%
HK$105,591
+HK$6,056/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$199,070/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$1,745,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,198
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$106,992
−HK$2,835/mo
Today · 4.125%
HK$109,827
baseline
▲ 0.50% · 4.625%
HK$115,616
+HK$5,789/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$219,654/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$1,745,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,394
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$115,890
−HK$3,552/mo
Today · 4.125%
HK$119,442
baseline
▲ 0.50% · 4.625%
HK$126,710
+HK$7,268/mo
Deposit HK$16.43M · loan HK$24.64M · min. income ≈ HK$238,884/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,037
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$128,390
−HK$3,402/mo
Today · 4.125%
HK$131,792
baseline
▲ 0.50% · 4.625%
HK$138,739
+HK$6,947/mo
Deposit HK$16.43M · loan HK$24.64M · min. income ≈ HK$263,584/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,126
−HK$8,223/mo
▼ 0.25% · 3.875%
HK$135,205
−HK$4,144/mo
Today · 4.125%
HK$139,349
baseline
▲ 0.50% · 4.625%
HK$147,828
+HK$8,479/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$278,698/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,877
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$149,789
−HK$3,969/mo
Today · 4.125%
HK$153,758
baseline
▲ 0.50% · 4.625%
HK$161,863
+HK$8,105/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$307,516/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,591
−HK$10,572/mo
▼ 0.25% · 3.875%
HK$173,835
−HK$5,328/mo
Today · 4.125%
HK$179,163
baseline
▲ 0.50% · 4.625%
HK$190,065
+HK$10,902/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$358,326/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,556
−HK$10,133/mo
▼ 0.25% · 3.875%
HK$192,586
−HK$5,103/mo
Today · 4.125%
HK$197,689
baseline
▲ 0.50% · 4.625%
HK$208,109
+HK$10,420/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$395,378/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,688 · Scale 2, in force from 26 Feb 2026)