LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,838
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,757
−HK$2,965/mo
Today · 4.125%
HK$99,722
baseline
▲ 0.50% · 4.625%
HK$105,790
+HK$6,068/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,444/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,748,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,394
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$107,193
−HK$2,841/mo
Today · 4.125%
HK$110,034
baseline
▲ 0.50% · 4.625%
HK$115,834
+HK$5,800/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,068/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,748,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,605
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,108
−HK$3,559/mo
Today · 4.125%
HK$119,667
baseline
▲ 0.50% · 4.625%
HK$126,948
+HK$7,281/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,334/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,272
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,632
−HK$3,408/mo
Today · 4.125%
HK$132,040
baseline
▲ 0.50% · 4.625%
HK$139,000
+HK$6,960/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,080/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,373
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$135,459
−HK$4,152/mo
Today · 4.125%
HK$139,611
baseline
▲ 0.50% · 4.625%
HK$148,106
+HK$8,495/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$279,222/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,151
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$150,071
−HK$3,976/mo
Today · 4.125%
HK$154,047
baseline
▲ 0.50% · 4.625%
HK$162,167
+HK$8,120/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$308,094/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,908
−HK$10,592/mo
▼ 0.25% · 3.875%
HK$174,162
−HK$5,338/mo
Today · 4.125%
HK$179,500
baseline
▲ 0.50% · 4.625%
HK$190,422
+HK$10,922/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$359,000/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,908
−HK$10,153/mo
▼ 0.25% · 3.875%
HK$192,948
−HK$5,113/mo
Today · 4.125%
HK$198,061
baseline
▲ 0.50% · 4.625%
HK$208,501
+HK$10,440/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$396,122/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,973 · Scale 2, in force from 26 Feb 2026)