LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,833
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,752
−HK$2,965/mo
Today · 4.125%
HK$99,717
baseline
▲ 0.50% · 4.625%
HK$105,785
+HK$6,068/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,434/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,388
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$107,188
−HK$2,840/mo
Today · 4.125%
HK$110,028
baseline
▲ 0.50% · 4.625%
HK$115,828
+HK$5,800/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,056/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,600
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,102
−HK$3,559/mo
Today · 4.125%
HK$119,661
baseline
▲ 0.50% · 4.625%
HK$126,942
+HK$7,281/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,322/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,266
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,626
−HK$3,408/mo
Today · 4.125%
HK$132,034
baseline
▲ 0.50% · 4.625%
HK$138,994
+HK$6,960/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,068/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,366
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$135,453
−HK$4,151/mo
Today · 4.125%
HK$139,604
baseline
▲ 0.50% · 4.625%
HK$148,099
+HK$8,495/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$279,208/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,144
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$150,063
−HK$3,976/mo
Today · 4.125%
HK$154,039
baseline
▲ 0.50% · 4.625%
HK$162,159
+HK$8,120/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$308,078/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,900
−HK$10,591/mo
▼ 0.25% · 3.875%
HK$174,153
−HK$5,338/mo
Today · 4.125%
HK$179,491
baseline
▲ 0.50% · 4.625%
HK$190,413
+HK$10,922/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$358,982/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,899
−HK$10,152/mo
▼ 0.25% · 3.875%
HK$192,939
−HK$5,112/mo
Today · 4.125%
HK$198,051
baseline
▲ 0.50% · 4.625%
HK$208,490
+HK$10,439/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$396,102/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,886 · Scale 2, in force from 26 Feb 2026)