LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,841
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,760
−HK$2,965/mo
Today · 4.125%
HK$99,725
baseline
▲ 0.50% · 4.625%
HK$105,794
+HK$6,069/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,450/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,397
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$107,197
−HK$2,840/mo
Today · 4.125%
HK$110,037
baseline
▲ 0.50% · 4.625%
HK$115,837
+HK$5,800/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,074/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,609
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,112
−HK$3,559/mo
Today · 4.125%
HK$119,671
baseline
▲ 0.50% · 4.625%
HK$126,952
+HK$7,281/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,342/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,276
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,636
−HK$3,409/mo
Today · 4.125%
HK$132,045
baseline
▲ 0.50% · 4.625%
HK$139,005
+HK$6,960/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,090/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,377
−HK$8,239/mo
▼ 0.25% · 3.875%
HK$135,464
−HK$4,152/mo
Today · 4.125%
HK$139,616
baseline
▲ 0.50% · 4.625%
HK$148,111
+HK$8,495/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$279,232/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,156
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$150,076
−HK$3,976/mo
Today · 4.125%
HK$154,052
baseline
▲ 0.50% · 4.625%
HK$162,172
+HK$8,120/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$308,104/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,913
−HK$10,593/mo
▼ 0.25% · 3.875%
HK$174,168
−HK$5,338/mo
Today · 4.125%
HK$179,506
baseline
▲ 0.50% · 4.625%
HK$190,428
+HK$10,922/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$359,012/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,749,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,915
−HK$10,152/mo
▼ 0.25% · 3.875%
HK$192,954
−HK$5,113/mo
Today · 4.125%
HK$198,067
baseline
▲ 0.50% · 4.625%
HK$208,507
+HK$10,440/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$396,134/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,749,030 · Scale 2, in force from 26 Feb 2026)