LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,769
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$96,686
−HK$2,964/mo
Today · 4.125%
HK$99,650
baseline
▲ 0.50% · 4.625%
HK$105,713
+HK$6,063/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$199,300/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,317
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,115
−HK$2,838/mo
Today · 4.125%
HK$109,953
baseline
▲ 0.50% · 4.625%
HK$115,749
+HK$5,796/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$219,906/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,523
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,023
−HK$3,556/mo
Today · 4.125%
HK$119,579
baseline
▲ 0.50% · 4.625%
HK$126,856
+HK$7,277/mo
Deposit HK$16.45M · loan HK$24.67M · min. income ≈ HK$239,158/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,747,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,181
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$128,538
−HK$3,406/mo
Today · 4.125%
HK$131,944
baseline
▲ 0.50% · 4.625%
HK$138,899
+HK$6,955/mo
Deposit HK$16.45M · loan HK$24.67M · min. income ≈ HK$263,888/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,747,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,277
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$135,361
−HK$4,148/mo
Today · 4.125%
HK$139,509
baseline
▲ 0.50% · 4.625%
HK$147,998
+HK$8,489/mo
Deposit HK$12.34M · loan HK$28.79M · min. income ≈ HK$279,018/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,044
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$149,961
−HK$3,974/mo
Today · 4.125%
HK$153,935
baseline
▲ 0.50% · 4.625%
HK$162,049
+HK$8,114/mo
Deposit HK$12.34M · loan HK$28.79M · min. income ≈ HK$307,870/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,785
−HK$10,584/mo
▼ 0.25% · 3.875%
HK$174,035
−HK$5,334/mo
Today · 4.125%
HK$179,369
baseline
▲ 0.50% · 4.625%
HK$190,283
+HK$10,914/mo
Deposit HK$4.11M · loan HK$37.01M · min. income ≈ HK$358,738/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,771
−HK$10,145/mo
▼ 0.25% · 3.875%
HK$192,807
−HK$5,109/mo
Today · 4.125%
HK$197,916
baseline
▲ 0.50% · 4.625%
HK$208,349
+HK$10,433/mo
Deposit HK$4.11M · loan HK$37.01M · min. income ≈ HK$395,832/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,698 · Scale 2, in force from 26 Feb 2026)