LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,940
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$96,862
−HK$2,969/mo
Today · 4.125%
HK$99,831
baseline
▲ 0.50% · 4.625%
HK$105,905
+HK$6,074/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$199,662/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,750,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,507
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,310
−HK$2,843/mo
Today · 4.125%
HK$110,153
baseline
▲ 0.50% · 4.625%
HK$115,960
+HK$5,807/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$220,306/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,750,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,728
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$116,234
−HK$3,563/mo
Today · 4.125%
HK$119,797
baseline
▲ 0.50% · 4.625%
HK$127,086
+HK$7,289/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$239,594/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,750,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,409
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$128,772
−HK$3,412/mo
Today · 4.125%
HK$132,184
baseline
▲ 0.50% · 4.625%
HK$139,152
+HK$6,968/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$264,368/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,750,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,516
−HK$8,247/mo
▼ 0.25% · 3.875%
HK$135,607
−HK$4,156/mo
Today · 4.125%
HK$139,763
baseline
▲ 0.50% · 4.625%
HK$148,267
+HK$8,504/mo
Deposit HK$12.36M · loan HK$28.84M · min. income ≈ HK$279,526/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,310
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$150,234
−HK$3,981/mo
Today · 4.125%
HK$154,215
baseline
▲ 0.50% · 4.625%
HK$162,344
+HK$8,129/mo
Deposit HK$12.36M · loan HK$28.84M · min. income ≈ HK$308,430/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,092
−HK$10,603/mo
▼ 0.25% · 3.875%
HK$174,352
−HK$5,343/mo
Today · 4.125%
HK$179,695
baseline
▲ 0.50% · 4.625%
HK$190,630
+HK$10,935/mo
Deposit HK$4.12M · loan HK$37.08M · min. income ≈ HK$359,390/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,113
−HK$10,163/mo
▼ 0.25% · 3.875%
HK$193,158
−HK$5,118/mo
Today · 4.125%
HK$198,276
baseline
▲ 0.50% · 4.625%
HK$208,728
+HK$10,452/mo
Deposit HK$4.12M · loan HK$37.08M · min. income ≈ HK$396,552/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,877 · Scale 2, in force from 26 Feb 2026)