LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,701
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$96,615
−HK$2,961/mo
Today · 4.125%
HK$99,576
baseline
▲ 0.50% · 4.625%
HK$105,635
+HK$6,059/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$199,152/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,241
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$107,037
−HK$2,836/mo
Today · 4.125%
HK$109,873
baseline
▲ 0.50% · 4.625%
HK$115,664
+HK$5,791/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$219,746/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,441
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$115,938
−HK$3,554/mo
Today · 4.125%
HK$119,492
baseline
▲ 0.50% · 4.625%
HK$126,763
+HK$7,271/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$238,984/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,089
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$128,444
−HK$3,403/mo
Today · 4.125%
HK$131,847
baseline
▲ 0.50% · 4.625%
HK$138,797
+HK$6,950/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$263,694/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,181
−HK$8,226/mo
▼ 0.25% · 3.875%
HK$135,261
−HK$4,146/mo
Today · 4.125%
HK$139,407
baseline
▲ 0.50% · 4.625%
HK$147,890
+HK$8,483/mo
Deposit HK$12.33M · loan HK$28.76M · min. income ≈ HK$278,814/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,937
−HK$7,885/mo
▼ 0.25% · 3.875%
HK$149,851
−HK$3,971/mo
Today · 4.125%
HK$153,822
baseline
▲ 0.50% · 4.625%
HK$161,930
+HK$8,108/mo
Deposit HK$12.33M · loan HK$28.76M · min. income ≈ HK$307,644/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,661
−HK$10,577/mo
▼ 0.25% · 3.875%
HK$173,907
−HK$5,331/mo
Today · 4.125%
HK$179,238
baseline
▲ 0.50% · 4.625%
HK$190,144
+HK$10,906/mo
Deposit HK$4.11M · loan HK$36.98M · min. income ≈ HK$358,476/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,634
−HK$10,137/mo
▼ 0.25% · 3.875%
HK$192,666
−HK$5,105/mo
Today · 4.125%
HK$197,771
baseline
▲ 0.50% · 4.625%
HK$208,196
+HK$10,425/mo
Deposit HK$4.11M · loan HK$36.98M · min. income ≈ HK$395,542/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,416 · Scale 2, in force from 26 Feb 2026)