LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,755
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$96,671
−HK$2,963/mo
Today · 4.125%
HK$99,634
baseline
▲ 0.50% · 4.625%
HK$105,697
+HK$6,063/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$199,268/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,302
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,099
−HK$2,838/mo
Today · 4.125%
HK$109,937
baseline
▲ 0.50% · 4.625%
HK$115,732
+HK$5,795/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$219,874/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,506
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$116,006
−HK$3,555/mo
Today · 4.125%
HK$119,561
baseline
▲ 0.50% · 4.625%
HK$126,836
+HK$7,275/mo
Deposit HK$16.45M · loan HK$24.67M · min. income ≈ HK$239,122/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,747,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,162
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$128,519
−HK$3,405/mo
Today · 4.125%
HK$131,924
baseline
▲ 0.50% · 4.625%
HK$138,878
+HK$6,954/mo
Deposit HK$16.45M · loan HK$24.67M · min. income ≈ HK$263,848/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,747,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,257
−HK$8,231/mo
▼ 0.25% · 3.875%
HK$135,340
−HK$4,148/mo
Today · 4.125%
HK$139,488
baseline
▲ 0.50% · 4.625%
HK$147,976
+HK$8,488/mo
Deposit HK$12.33M · loan HK$28.78M · min. income ≈ HK$278,976/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,022
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$149,938
−HK$3,973/mo
Today · 4.125%
HK$153,911
baseline
▲ 0.50% · 4.625%
HK$162,024
+HK$8,113/mo
Deposit HK$12.33M · loan HK$28.78M · min. income ≈ HK$307,822/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,759
−HK$10,583/mo
▼ 0.25% · 3.875%
HK$174,008
−HK$5,334/mo
Today · 4.125%
HK$179,342
baseline
▲ 0.50% · 4.625%
HK$190,254
+HK$10,912/mo
Deposit HK$4.11M · loan HK$37.00M · min. income ≈ HK$358,684/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,743
−HK$10,143/mo
▼ 0.25% · 3.875%
HK$192,778
−HK$5,108/mo
Today · 4.125%
HK$197,886
baseline
▲ 0.50% · 4.625%
HK$208,317
+HK$10,431/mo
Deposit HK$4.11M · loan HK$37.00M · min. income ≈ HK$395,772/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,431 · Scale 2, in force from 26 Feb 2026)