LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,665
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,579
−HK$2,960/mo
Today · 4.125%
HK$99,539
baseline
▲ 0.50% · 4.625%
HK$105,595
+HK$6,056/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$199,078/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$1,745,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,201
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$106,996
−HK$2,835/mo
Today · 4.125%
HK$109,831
baseline
▲ 0.50% · 4.625%
HK$115,620
+HK$5,789/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$219,662/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$1,745,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,398
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$115,894
−HK$3,552/mo
Today · 4.125%
HK$119,446
baseline
▲ 0.50% · 4.625%
HK$126,714
+HK$7,268/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$238,892/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,042
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$128,395
−HK$3,402/mo
Today · 4.125%
HK$131,797
baseline
▲ 0.50% · 4.625%
HK$138,744
+HK$6,947/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$263,594/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,131
−HK$8,223/mo
▼ 0.25% · 3.875%
HK$135,210
−HK$4,144/mo
Today · 4.125%
HK$139,354
baseline
▲ 0.50% · 4.625%
HK$147,833
+HK$8,479/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$278,708/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,882
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$149,794
−HK$3,969/mo
Today · 4.125%
HK$153,763
baseline
▲ 0.50% · 4.625%
HK$161,869
+HK$8,106/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$307,526/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,597
−HK$10,572/mo
▼ 0.25% · 3.875%
HK$173,841
−HK$5,328/mo
Today · 4.125%
HK$179,169
baseline
▲ 0.50% · 4.625%
HK$190,072
+HK$10,903/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$358,338/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,562
−HK$10,134/mo
▼ 0.25% · 3.875%
HK$192,593
−HK$5,103/mo
Today · 4.125%
HK$197,696
baseline
▲ 0.50% · 4.625%
HK$208,117
+HK$10,421/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$395,392/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,752 · Scale 2, in force from 26 Feb 2026)