LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,925
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$96,847
−HK$2,968/mo
Today · 4.125%
HK$99,815
baseline
▲ 0.50% · 4.625%
HK$105,889
+HK$6,074/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$199,630/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,750,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,491
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$107,293
−HK$2,843/mo
Today · 4.125%
HK$110,136
baseline
▲ 0.50% · 4.625%
HK$115,942
+HK$5,806/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$220,272/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,750,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,710
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$116,216
−HK$3,562/mo
Today · 4.125%
HK$119,778
baseline
▲ 0.50% · 4.625%
HK$127,066
+HK$7,288/mo
Deposit HK$16.48M · loan HK$24.71M · min. income ≈ HK$239,556/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,750,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,389
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$128,752
−HK$3,411/mo
Today · 4.125%
HK$132,163
baseline
▲ 0.50% · 4.625%
HK$139,130
+HK$6,967/mo
Deposit HK$16.48M · loan HK$24.71M · min. income ≈ HK$264,326/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,750,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,495
−HK$8,246/mo
▼ 0.25% · 3.875%
HK$135,586
−HK$4,155/mo
Today · 4.125%
HK$139,741
baseline
▲ 0.50% · 4.625%
HK$148,244
+HK$8,503/mo
Deposit HK$12.36M · loan HK$28.83M · min. income ≈ HK$279,482/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,287
−HK$7,904/mo
▼ 0.25% · 3.875%
HK$150,211
−HK$3,980/mo
Today · 4.125%
HK$154,191
baseline
▲ 0.50% · 4.625%
HK$162,318
+HK$8,127/mo
Deposit HK$12.36M · loan HK$28.83M · min. income ≈ HK$308,382/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,065
−HK$10,602/mo
▼ 0.25% · 3.875%
HK$174,324
−HK$5,343/mo
Today · 4.125%
HK$179,667
baseline
▲ 0.50% · 4.625%
HK$190,600
+HK$10,933/mo
Deposit HK$4.12M · loan HK$37.07M · min. income ≈ HK$359,334/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,083
−HK$10,162/mo
▼ 0.25% · 3.875%
HK$193,128
−HK$5,117/mo
Today · 4.125%
HK$198,245
baseline
▲ 0.50% · 4.625%
HK$208,695
+HK$10,450/mo
Deposit HK$4.12M · loan HK$37.07M · min. income ≈ HK$396,490/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,602 · Scale 2, in force from 26 Feb 2026)