LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,678
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,592
−HK$2,960/mo
Today · 4.125%
HK$99,552
baseline
▲ 0.50% · 4.625%
HK$105,610
+HK$6,058/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$199,104/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,745,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,216
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$107,011
−HK$2,835/mo
Today · 4.125%
HK$109,846
baseline
▲ 0.50% · 4.625%
HK$115,636
+HK$5,790/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$219,692/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,745,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,413
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$115,910
−HK$3,553/mo
Today · 4.125%
HK$119,463
baseline
▲ 0.50% · 4.625%
HK$126,732
+HK$7,269/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$238,926/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,059
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$128,413
−HK$3,402/mo
Today · 4.125%
HK$131,815
baseline
▲ 0.50% · 4.625%
HK$138,763
+HK$6,948/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$263,630/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,149
−HK$8,224/mo
▼ 0.25% · 3.875%
HK$135,228
−HK$4,145/mo
Today · 4.125%
HK$139,373
baseline
▲ 0.50% · 4.625%
HK$147,854
+HK$8,481/mo
Deposit HK$12.32M · loan HK$28.76M · min. income ≈ HK$278,746/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,902
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$149,815
−HK$3,970/mo
Today · 4.125%
HK$153,785
baseline
▲ 0.50% · 4.625%
HK$161,891
+HK$8,106/mo
Deposit HK$12.32M · loan HK$28.76M · min. income ≈ HK$307,570/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,620
−HK$10,574/mo
▼ 0.25% · 3.875%
HK$173,865
−HK$5,329/mo
Today · 4.125%
HK$179,194
baseline
▲ 0.50% · 4.625%
HK$190,098
+HK$10,904/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$358,388/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,588
−HK$10,135/mo
▼ 0.25% · 3.875%
HK$192,619
−HK$5,104/mo
Today · 4.125%
HK$197,723
baseline
▲ 0.50% · 4.625%
HK$208,145
+HK$10,422/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$395,446/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,992 · Scale 2, in force from 26 Feb 2026)