LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,877
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$96,797
−HK$2,966/mo
Today · 4.125%
HK$99,763
baseline
▲ 0.50% · 4.625%
HK$105,834
+HK$6,071/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,526/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,437
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,238
−HK$2,841/mo
Today · 4.125%
HK$110,079
baseline
▲ 0.50% · 4.625%
HK$115,882
+HK$5,803/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,158/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,652
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$116,156
−HK$3,560/mo
Today · 4.125%
HK$119,716
baseline
▲ 0.50% · 4.625%
HK$127,001
+HK$7,285/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$239,432/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,324
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$128,685
−HK$3,410/mo
Today · 4.125%
HK$132,095
baseline
▲ 0.50% · 4.625%
HK$139,058
+HK$6,963/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$264,190/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,427
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$135,515
−HK$4,154/mo
Today · 4.125%
HK$139,669
baseline
▲ 0.50% · 4.625%
HK$148,167
+HK$8,498/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$279,338/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,211
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$150,133
−HK$3,978/mo
Today · 4.125%
HK$154,111
baseline
▲ 0.50% · 4.625%
HK$162,234
+HK$8,123/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$308,222/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,978
−HK$10,596/mo
▼ 0.25% · 3.875%
HK$174,234
−HK$5,340/mo
Today · 4.125%
HK$179,574
baseline
▲ 0.50% · 4.625%
HK$190,501
+HK$10,927/mo
Deposit HK$4.12M · loan HK$37.05M · min. income ≈ HK$359,148/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,986
−HK$10,157/mo
▼ 0.25% · 3.875%
HK$193,028
−HK$5,115/mo
Today · 4.125%
HK$198,143
baseline
▲ 0.50% · 4.625%
HK$208,587
+HK$10,444/mo
Deposit HK$4.12M · loan HK$37.05M · min. income ≈ HK$396,286/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,696 · Scale 2, in force from 26 Feb 2026)