LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,963
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$96,886
−HK$2,970/mo
Today · 4.125%
HK$99,856
baseline
▲ 0.50% · 4.625%
HK$105,931
+HK$6,075/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$199,712/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,751,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,533
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$107,337
−HK$2,844/mo
Today · 4.125%
HK$110,181
baseline
▲ 0.50% · 4.625%
HK$115,988
+HK$5,807/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$220,362/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,751,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,756
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$116,263
−HK$3,564/mo
Today · 4.125%
HK$119,827
baseline
▲ 0.50% · 4.625%
HK$127,118
+HK$7,291/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$239,654/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,751,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,440
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$128,804
−HK$3,413/mo
Today · 4.125%
HK$132,217
baseline
▲ 0.50% · 4.625%
HK$139,186
+HK$6,969/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$264,434/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,751,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,548
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,640
−HK$4,158/mo
Today · 4.125%
HK$139,798
baseline
▲ 0.50% · 4.625%
HK$148,304
+HK$8,506/mo
Deposit HK$12.36M · loan HK$28.85M · min. income ≈ HK$279,596/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,751,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,346
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$150,271
−HK$3,982/mo
Today · 4.125%
HK$154,253
baseline
▲ 0.50% · 4.625%
HK$162,384
+HK$8,131/mo
Deposit HK$12.36M · loan HK$28.85M · min. income ≈ HK$308,506/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,751,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,134
−HK$10,606/mo
▼ 0.25% · 3.875%
HK$174,395
−HK$5,345/mo
Today · 4.125%
HK$179,740
baseline
▲ 0.50% · 4.625%
HK$190,677
+HK$10,937/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$359,480/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,160
−HK$10,165/mo
▼ 0.25% · 3.875%
HK$193,206
−HK$5,119/mo
Today · 4.125%
HK$198,325
baseline
▲ 0.50% · 4.625%
HK$208,779
+HK$10,454/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$396,650/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,310 · Scale 2, in force from 26 Feb 2026)