LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,724
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,640
−HK$2,962/mo
Today · 4.125%
HK$99,602
baseline
▲ 0.50% · 4.625%
HK$105,662
+HK$6,060/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$199,204/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$1,746,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,267
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,064
−HK$2,837/mo
Today · 4.125%
HK$109,901
baseline
▲ 0.50% · 4.625%
HK$115,694
+HK$5,793/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$219,802/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$1,746,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,469
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$115,968
−HK$3,554/mo
Today · 4.125%
HK$119,522
baseline
▲ 0.50% · 4.625%
HK$126,795
+HK$7,273/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$239,044/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,746,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,121
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,477
−HK$3,404/mo
Today · 4.125%
HK$131,881
baseline
▲ 0.50% · 4.625%
HK$138,832
+HK$6,951/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$263,762/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,746,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,214
−HK$8,228/mo
▼ 0.25% · 3.875%
HK$135,296
−HK$4,146/mo
Today · 4.125%
HK$139,442
baseline
▲ 0.50% · 4.625%
HK$147,927
+HK$8,485/mo
Deposit HK$12.33M · loan HK$28.77M · min. income ≈ HK$278,884/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,746,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,974
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$149,889
−HK$3,972/mo
Today · 4.125%
HK$153,861
baseline
▲ 0.50% · 4.625%
HK$161,971
+HK$8,110/mo
Deposit HK$12.33M · loan HK$28.77M · min. income ≈ HK$307,722/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,746,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,704
−HK$10,579/mo
▼ 0.25% · 3.875%
HK$173,951
−HK$5,332/mo
Today · 4.125%
HK$179,283
baseline
▲ 0.50% · 4.625%
HK$190,192
+HK$10,909/mo
Deposit HK$4.11M · loan HK$36.99M · min. income ≈ HK$358,566/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,681
−HK$10,140/mo
▼ 0.25% · 3.875%
HK$192,715
−HK$5,106/mo
Today · 4.125%
HK$197,821
baseline
▲ 0.50% · 4.625%
HK$208,249
+HK$10,428/mo
Deposit HK$4.11M · loan HK$36.99M · min. income ≈ HK$395,642/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,858 · Scale 2, in force from 26 Feb 2026)