LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,666
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,580
−HK$2,960/mo
Today · 4.125%
HK$99,540
baseline
▲ 0.50% · 4.625%
HK$105,597
+HK$6,057/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$199,080/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$1,745,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,203
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$106,997
−HK$2,835/mo
Today · 4.125%
HK$109,832
baseline
▲ 0.50% · 4.625%
HK$115,622
+HK$5,790/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$1,745,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,399
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$115,896
−HK$3,552/mo
Today · 4.125%
HK$119,448
baseline
▲ 0.50% · 4.625%
HK$126,716
+HK$7,268/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$238,896/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,043
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$128,397
−HK$3,402/mo
Today · 4.125%
HK$131,799
baseline
▲ 0.50% · 4.625%
HK$138,746
+HK$6,947/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$263,598/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,133
−HK$8,223/mo
▼ 0.25% · 3.875%
HK$135,212
−HK$4,144/mo
Today · 4.125%
HK$139,356
baseline
▲ 0.50% · 4.625%
HK$147,835
+HK$8,479/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$278,712/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,884
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$149,796
−HK$3,969/mo
Today · 4.125%
HK$153,765
baseline
▲ 0.50% · 4.625%
HK$161,870
+HK$8,105/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$307,530/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,599
−HK$10,573/mo
▼ 0.25% · 3.875%
HK$173,843
−HK$5,329/mo
Today · 4.125%
HK$179,172
baseline
▲ 0.50% · 4.625%
HK$190,074
+HK$10,902/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$358,344/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,565
−HK$10,133/mo
▼ 0.25% · 3.875%
HK$192,595
−HK$5,103/mo
Today · 4.125%
HK$197,698
baseline
▲ 0.50% · 4.625%
HK$208,119
+HK$10,421/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$395,396/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,773 · Scale 2, in force from 26 Feb 2026)