LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,778
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,695
−HK$2,963/mo
Today · 4.125%
HK$99,658
baseline
▲ 0.50% · 4.625%
HK$105,722
+HK$6,064/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$199,316/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,327
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,125
−HK$2,838/mo
Today · 4.125%
HK$109,963
baseline
▲ 0.50% · 4.625%
HK$115,759
+HK$5,796/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$219,926/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,533
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$116,033
−HK$3,557/mo
Today · 4.125%
HK$119,590
baseline
▲ 0.50% · 4.625%
HK$126,867
+HK$7,277/mo
Deposit HK$16.45M · loan HK$24.68M · min. income ≈ HK$239,180/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,747,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,192
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,549
−HK$3,407/mo
Today · 4.125%
HK$131,956
baseline
▲ 0.50% · 4.625%
HK$138,911
+HK$6,955/mo
Deposit HK$16.45M · loan HK$24.68M · min. income ≈ HK$263,912/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,747,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,289
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$135,372
−HK$4,149/mo
Today · 4.125%
HK$139,521
baseline
▲ 0.50% · 4.625%
HK$148,011
+HK$8,490/mo
Deposit HK$12.34M · loan HK$28.79M · min. income ≈ HK$279,042/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,747,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,057
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$149,974
−HK$3,974/mo
Today · 4.125%
HK$153,948
baseline
▲ 0.50% · 4.625%
HK$162,063
+HK$8,115/mo
Deposit HK$12.34M · loan HK$28.79M · min. income ≈ HK$307,896/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,747,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,800
−HK$10,585/mo
▼ 0.25% · 3.875%
HK$174,050
−HK$5,335/mo
Today · 4.125%
HK$179,385
baseline
▲ 0.50% · 4.625%
HK$190,300
+HK$10,915/mo
Deposit HK$4.11M · loan HK$37.01M · min. income ≈ HK$358,770/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,788
−HK$10,145/mo
▼ 0.25% · 3.875%
HK$192,824
−HK$5,109/mo
Today · 4.125%
HK$197,933
baseline
▲ 0.50% · 4.625%
HK$208,367
+HK$10,434/mo
Deposit HK$4.11M · loan HK$37.01M · min. income ≈ HK$395,866/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,850 · Scale 2, in force from 26 Feb 2026)