LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,834
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,753
−HK$2,965/mo
Today · 4.125%
HK$99,718
baseline
▲ 0.50% · 4.625%
HK$105,786
+HK$6,068/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,436/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,389
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$107,189
−HK$2,840/mo
Today · 4.125%
HK$110,029
baseline
▲ 0.50% · 4.625%
HK$115,829
+HK$5,800/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,058/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,601
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,103
−HK$3,559/mo
Today · 4.125%
HK$119,662
baseline
▲ 0.50% · 4.625%
HK$126,943
+HK$7,281/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,324/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,267
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,627
−HK$3,408/mo
Today · 4.125%
HK$132,035
baseline
▲ 0.50% · 4.625%
HK$138,995
+HK$6,960/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,070/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,368
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$135,454
−HK$4,151/mo
Today · 4.125%
HK$139,605
baseline
▲ 0.50% · 4.625%
HK$148,100
+HK$8,495/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$279,210/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,145
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$150,065
−HK$3,976/mo
Today · 4.125%
HK$154,041
baseline
▲ 0.50% · 4.625%
HK$162,161
+HK$8,120/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$308,082/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,901
−HK$10,592/mo
▼ 0.25% · 3.875%
HK$174,155
−HK$5,338/mo
Today · 4.125%
HK$179,493
baseline
▲ 0.50% · 4.625%
HK$190,414
+HK$10,921/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$358,986/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,901
−HK$10,152/mo
▼ 0.25% · 3.875%
HK$192,940
−HK$5,113/mo
Today · 4.125%
HK$198,053
baseline
▲ 0.50% · 4.625%
HK$208,492
+HK$10,439/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$396,106/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,902 · Scale 2, in force from 26 Feb 2026)