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$105,596
+HK$6,057/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$1,745,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,202
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$106,996
−HK$2,836/mo
Today · 4.125%
HK$109,832
baseline
▲ 0.50% · 4.625%
HK$115,621
+HK$5,789/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$219,664/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$1,745,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,398
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$115,895
−HK$3,552/mo
Today · 4.125%
HK$119,447
baseline
▲ 0.50% · 4.625%
HK$126,715
+HK$7,268/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$238,894/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,042
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$128,396
−HK$3,402/mo
Today · 4.125%
HK$131,798
baseline
▲ 0.50% · 4.625%
HK$138,745
+HK$6,947/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$263,596/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,132
−HK$8,223/mo
▼ 0.25% · 3.875%
HK$135,211
−HK$4,144/mo
Today · 4.125%
HK$139,355
baseline
▲ 0.50% · 4.625%
HK$147,834
+HK$8,479/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$278,710/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,883
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$149,795
−HK$3,969/mo
Today · 4.125%
HK$153,764
baseline
▲ 0.50% · 4.625%
HK$161,869
+HK$8,105/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$307,528/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,598
−HK$10,572/mo
▼ 0.25% · 3.875%
HK$173,842
−HK$5,328/mo
Today · 4.125%
HK$179,170
baseline
▲ 0.50% · 4.625%
HK$190,072
+HK$10,902/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$358,340/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,563
−HK$10,134/mo
▼ 0.25% · 3.875%
HK$192,594
−HK$5,103/mo
Today · 4.125%
HK$197,697
baseline
▲ 0.50% · 4.625%
HK$208,118
+HK$10,421/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$395,394/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,760 · Scale 2, in force from 26 Feb 2026)