LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,926
−HK$5,889/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$1,750,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,491
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,294
−HK$2,843/mo
Today · 4.125%
HK$110,137
baseline
▲ 0.50% · 4.625%
HK$115,942
+HK$5,805/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$220,274/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,750,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,711
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$116,217
−HK$3,562/mo
Today · 4.125%
HK$119,779
baseline
▲ 0.50% · 4.625%
HK$127,067
+HK$7,288/mo
Deposit HK$16.48M · loan HK$24.71M · min. income ≈ HK$239,558/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,750,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,389
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$128,752
−HK$3,412/mo
Today · 4.125%
HK$132,164
baseline
▲ 0.50% · 4.625%
HK$139,130
+HK$6,966/mo
Deposit HK$16.48M · loan HK$24.71M · min. income ≈ HK$264,328/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,750,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,496
−HK$8,246/mo
▼ 0.25% · 3.875%
HK$135,586
−HK$4,156/mo
Today · 4.125%
HK$139,742
baseline
▲ 0.50% · 4.625%
HK$148,245
+HK$8,503/mo
Deposit HK$12.36M · loan HK$28.83M · min. income ≈ HK$279,484/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,288
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$150,211
−HK$3,980/mo
Today · 4.125%
HK$154,191
baseline
▲ 0.50% · 4.625%
HK$162,319
+HK$8,128/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$1,750,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,066
−HK$10,602/mo
▼ 0.25% · 3.875%
HK$174,325
−HK$5,343/mo
Today · 4.125%
HK$179,668
baseline
▲ 0.50% · 4.625%
HK$190,600
+HK$10,932/mo
Deposit HK$4.12M · loan HK$37.07M · min. income ≈ HK$359,336/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,084
−HK$10,162/mo
▼ 0.25% · 3.875%
HK$193,129
−HK$5,117/mo
Today · 4.125%
HK$198,246
baseline
▲ 0.50% · 4.625%
HK$208,696
+HK$10,450/mo
Deposit HK$4.12M · loan HK$37.07M · min. income ≈ HK$396,492/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,609 · Scale 2, in force from 26 Feb 2026)