LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,731
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,647
−HK$2,962/mo
Today · 4.125%
HK$99,609
baseline
▲ 0.50% · 4.625%
HK$105,670
+HK$6,061/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$199,218/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$1,746,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,275
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,072
−HK$2,837/mo
Today · 4.125%
HK$109,909
baseline
▲ 0.50% · 4.625%
HK$115,702
+HK$5,793/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$219,818/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$1,746,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,477
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$115,976
−HK$3,555/mo
Today · 4.125%
HK$119,531
baseline
▲ 0.50% · 4.625%
HK$126,804
+HK$7,273/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$239,062/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,746,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,130
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,486
−HK$3,404/mo
Today · 4.125%
HK$131,890
baseline
▲ 0.50% · 4.625%
HK$138,842
+HK$6,952/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$263,780/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,746,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,224
−HK$8,228/mo
▼ 0.25% · 3.875%
HK$135,305
−HK$4,147/mo
Today · 4.125%
HK$139,452
baseline
▲ 0.50% · 4.625%
HK$147,938
+HK$8,486/mo
Deposit HK$12.33M · loan HK$28.77M · min. income ≈ HK$278,904/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,746,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,985
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$149,900
−HK$3,972/mo
Today · 4.125%
HK$153,872
baseline
▲ 0.50% · 4.625%
HK$161,983
+HK$8,111/mo
Deposit HK$12.33M · loan HK$28.77M · min. income ≈ HK$307,744/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,746,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,716
−HK$10,580/mo
▼ 0.25% · 3.875%
HK$173,964
−HK$5,332/mo
Today · 4.125%
HK$179,296
baseline
▲ 0.50% · 4.625%
HK$190,206
+HK$10,910/mo
Deposit HK$4.11M · loan HK$36.99M · min. income ≈ HK$358,592/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,695
−HK$10,140/mo
▼ 0.25% · 3.875%
HK$192,729
−HK$5,106/mo
Today · 4.125%
HK$197,835
baseline
▲ 0.50% · 4.625%
HK$208,264
+HK$10,429/mo
Deposit HK$4.11M · loan HK$36.99M · min. income ≈ HK$395,670/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,985 · Scale 2, in force from 26 Feb 2026)