LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,683
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$96,597
−HK$2,961/mo
Today · 4.125%
HK$99,558
baseline
▲ 0.50% · 4.625%
HK$105,615
+HK$6,057/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$199,116/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,221
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$107,016
−HK$2,836/mo
Today · 4.125%
HK$109,852
baseline
▲ 0.50% · 4.625%
HK$115,642
+HK$5,790/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$219,704/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,419
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$115,916
−HK$3,553/mo
Today · 4.125%
HK$119,469
baseline
▲ 0.50% · 4.625%
HK$126,739
+HK$7,270/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$238,938/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,065
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$128,420
−HK$3,402/mo
Today · 4.125%
HK$131,822
baseline
▲ 0.50% · 4.625%
HK$138,771
+HK$6,949/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$263,644/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,156
−HK$8,225/mo
▼ 0.25% · 3.875%
HK$135,236
−HK$4,145/mo
Today · 4.125%
HK$139,381
baseline
▲ 0.50% · 4.625%
HK$147,862
+HK$8,481/mo
Deposit HK$12.33M · loan HK$28.76M · min. income ≈ HK$278,762/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,910
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$149,823
−HK$3,970/mo
Today · 4.125%
HK$153,793
baseline
▲ 0.50% · 4.625%
HK$161,899
+HK$8,106/mo
Deposit HK$12.33M · loan HK$28.76M · min. income ≈ HK$307,586/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,629
−HK$10,575/mo
▼ 0.25% · 3.875%
HK$173,874
−HK$5,330/mo
Today · 4.125%
HK$179,204
baseline
▲ 0.50% · 4.625%
HK$190,108
+HK$10,904/mo
Deposit HK$4.11M · loan HK$36.98M · min. income ≈ HK$358,408/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,746,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,598
−HK$10,136/mo
▼ 0.25% · 3.875%
HK$192,630
−HK$5,104/mo
Today · 4.125%
HK$197,734
baseline
▲ 0.50% · 4.625%
HK$208,156
+HK$10,422/mo
Deposit HK$4.11M · loan HK$36.98M · min. income ≈ HK$395,468/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,746,085 · Scale 2, in force from 26 Feb 2026)