LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,941
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$96,864
−HK$2,968/mo
Today · 4.125%
HK$99,832
baseline
▲ 0.50% · 4.625%
HK$105,907
+HK$6,075/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$199,664/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,750,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,509
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,312
−HK$2,843/mo
Today · 4.125%
HK$110,155
baseline
▲ 0.50% · 4.625%
HK$115,962
+HK$5,807/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$220,310/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,750,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,730
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$116,236
−HK$3,563/mo
Today · 4.125%
HK$119,799
baseline
▲ 0.50% · 4.625%
HK$127,088
+HK$7,289/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$239,598/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,750,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,411
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$128,774
−HK$3,412/mo
Today · 4.125%
HK$132,186
baseline
▲ 0.50% · 4.625%
HK$139,154
+HK$6,968/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$264,372/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,750,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,518
−HK$8,247/mo
▼ 0.25% · 3.875%
HK$135,609
−HK$4,156/mo
Today · 4.125%
HK$139,765
baseline
▲ 0.50% · 4.625%
HK$148,270
+HK$8,505/mo
Deposit HK$12.36M · loan HK$28.84M · min. income ≈ HK$279,530/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,313
−HK$7,904/mo
▼ 0.25% · 3.875%
HK$150,237
−HK$3,980/mo
Today · 4.125%
HK$154,217
baseline
▲ 0.50% · 4.625%
HK$162,346
+HK$8,129/mo
Deposit HK$12.36M · loan HK$28.84M · min. income ≈ HK$308,434/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,095
−HK$10,603/mo
▼ 0.25% · 3.875%
HK$174,354
−HK$5,344/mo
Today · 4.125%
HK$179,698
baseline
▲ 0.50% · 4.625%
HK$190,633
+HK$10,935/mo
Deposit HK$4.12M · loan HK$37.08M · min. income ≈ HK$359,396/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,116
−HK$10,163/mo
▼ 0.25% · 3.875%
HK$193,161
−HK$5,118/mo
Today · 4.125%
HK$198,279
baseline
▲ 0.50% · 4.625%
HK$208,731
+HK$10,452/mo
Deposit HK$4.12M · loan HK$37.08M · min. income ≈ HK$396,558/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,906 · Scale 2, in force from 26 Feb 2026)