LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,836
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$96,755
−HK$2,966/mo
Today · 4.125%
HK$99,721
baseline
▲ 0.50% · 4.625%
HK$105,789
+HK$6,068/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,442/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,392
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$107,192
−HK$2,840/mo
Today · 4.125%
HK$110,032
baseline
▲ 0.50% · 4.625%
HK$115,832
+HK$5,800/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,064/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,604
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,106
−HK$3,559/mo
Today · 4.125%
HK$119,665
baseline
▲ 0.50% · 4.625%
HK$126,946
+HK$7,281/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,330/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,271
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,630
−HK$3,409/mo
Today · 4.125%
HK$132,039
baseline
▲ 0.50% · 4.625%
HK$138,998
+HK$6,959/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,078/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,371
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$135,457
−HK$4,152/mo
Today · 4.125%
HK$139,609
baseline
▲ 0.50% · 4.625%
HK$148,104
+HK$8,495/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$279,218/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,149
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$150,069
−HK$3,976/mo
Today · 4.125%
HK$154,045
baseline
▲ 0.50% · 4.625%
HK$162,165
+HK$8,120/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$308,090/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,906
−HK$10,592/mo
▼ 0.25% · 3.875%
HK$174,160
−HK$5,338/mo
Today · 4.125%
HK$179,498
baseline
▲ 0.50% · 4.625%
HK$190,420
+HK$10,922/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$358,996/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,906
−HK$10,152/mo
▼ 0.25% · 3.875%
HK$192,945
−HK$5,113/mo
Today · 4.125%
HK$198,058
baseline
▲ 0.50% · 4.625%
HK$208,498
+HK$10,440/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$396,116/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,949 · Scale 2, in force from 26 Feb 2026)