LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,764
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,681
−HK$2,963/mo
Today · 4.125%
HK$99,644
baseline
▲ 0.50% · 4.625%
HK$105,707
+HK$6,063/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$199,288/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,312
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,110
−HK$2,838/mo
Today · 4.125%
HK$109,948
baseline
▲ 0.50% · 4.625%
HK$115,743
+HK$5,795/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$219,896/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,517
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,017
−HK$3,556/mo
Today · 4.125%
HK$119,573
baseline
▲ 0.50% · 4.625%
HK$126,849
+HK$7,276/mo
Deposit HK$16.45M · loan HK$24.67M · min. income ≈ HK$239,146/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,747,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,174
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$128,531
−HK$3,406/mo
Today · 4.125%
HK$131,937
baseline
▲ 0.50% · 4.625%
HK$138,892
+HK$6,955/mo
Deposit HK$16.45M · loan HK$24.67M · min. income ≈ HK$263,874/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,747,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,270
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$135,353
−HK$4,149/mo
Today · 4.125%
HK$139,502
baseline
▲ 0.50% · 4.625%
HK$147,990
+HK$8,488/mo
Deposit HK$12.34M · loan HK$28.78M · min. income ≈ HK$279,004/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,037
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$149,953
−HK$3,974/mo
Today · 4.125%
HK$153,927
baseline
▲ 0.50% · 4.625%
HK$162,040
+HK$8,113/mo
Deposit HK$12.34M · loan HK$28.78M · min. income ≈ HK$307,854/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,776
−HK$10,584/mo
▼ 0.25% · 3.875%
HK$174,026
−HK$5,334/mo
Today · 4.125%
HK$179,360
baseline
▲ 0.50% · 4.625%
HK$190,273
+HK$10,913/mo
Deposit HK$4.11M · loan HK$37.01M · min. income ≈ HK$358,720/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,762
−HK$10,144/mo
▼ 0.25% · 3.875%
HK$192,797
−HK$5,109/mo
Today · 4.125%
HK$197,906
baseline
▲ 0.50% · 4.625%
HK$208,338
+HK$10,432/mo
Deposit HK$4.11M · loan HK$37.01M · min. income ≈ HK$395,812/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,606 · Scale 2, in force from 26 Feb 2026)