LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,862
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$96,781
−HK$2,967/mo
Today · 4.125%
HK$99,748
baseline
▲ 0.50% · 4.625%
HK$105,817
+HK$6,069/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,496/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,420
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,221
−HK$2,841/mo
Today · 4.125%
HK$110,062
baseline
▲ 0.50% · 4.625%
HK$115,863
+HK$5,801/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,124/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,634
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$116,138
−HK$3,559/mo
Today · 4.125%
HK$119,697
baseline
▲ 0.50% · 4.625%
HK$126,981
+HK$7,284/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$239,394/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,304
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$128,665
−HK$3,409/mo
Today · 4.125%
HK$132,074
baseline
▲ 0.50% · 4.625%
HK$139,036
+HK$6,962/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$264,148/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,406
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$135,494
−HK$4,153/mo
Today · 4.125%
HK$139,647
baseline
▲ 0.50% · 4.625%
HK$148,144
+HK$8,497/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$279,294/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,188
−HK$7,898/mo
▼ 0.25% · 3.875%
HK$150,109
−HK$3,977/mo
Today · 4.125%
HK$154,086
baseline
▲ 0.50% · 4.625%
HK$162,209
+HK$8,123/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$308,172/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,951
−HK$10,595/mo
▼ 0.25% · 3.875%
HK$174,207
−HK$5,339/mo
Today · 4.125%
HK$179,546
baseline
▲ 0.50% · 4.625%
HK$190,471
+HK$10,925/mo
Deposit HK$4.12M · loan HK$37.05M · min. income ≈ HK$359,092/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,956
−HK$10,155/mo
▼ 0.25% · 3.875%
HK$192,997
−HK$5,114/mo
Today · 4.125%
HK$198,111
baseline
▲ 0.50% · 4.625%
HK$208,554
+HK$10,443/mo
Deposit HK$4.12M · loan HK$37.05M · min. income ≈ HK$396,222/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,420 · Scale 2, in force from 26 Feb 2026)