LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,969
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,892
−HK$2,969/mo
Today · 4.125%
HK$99,861
baseline
▲ 0.50% · 4.625%
HK$105,938
+HK$6,077/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$199,722/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,539
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$107,343
−HK$2,844/mo
Today · 4.125%
HK$110,187
baseline
▲ 0.50% · 4.625%
HK$115,995
+HK$5,808/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$220,374/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,762
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$116,270
−HK$3,564/mo
Today · 4.125%
HK$119,834
baseline
▲ 0.50% · 4.625%
HK$127,125
+HK$7,291/mo
Deposit HK$16.48M · loan HK$24.73M · min. income ≈ HK$239,668/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,447
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$128,811
−HK$3,414/mo
Today · 4.125%
HK$132,225
baseline
▲ 0.50% · 4.625%
HK$139,194
+HK$6,969/mo
Deposit HK$16.48M · loan HK$24.73M · min. income ≈ HK$264,450/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,556
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,648
−HK$4,158/mo
Today · 4.125%
HK$139,806
baseline
▲ 0.50% · 4.625%
HK$148,313
+HK$8,507/mo
Deposit HK$12.36M · loan HK$28.85M · min. income ≈ HK$279,612/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,751,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,355
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$150,280
−HK$3,982/mo
Today · 4.125%
HK$154,262
baseline
▲ 0.50% · 4.625%
HK$162,393
+HK$8,131/mo
Deposit HK$12.36M · loan HK$28.85M · min. income ≈ HK$308,524/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,751,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,144
−HK$10,606/mo
▼ 0.25% · 3.875%
HK$174,405
−HK$5,345/mo
Today · 4.125%
HK$179,750
baseline
▲ 0.50% · 4.625%
HK$190,688
+HK$10,938/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$359,500/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,170
−HK$10,167/mo
▼ 0.25% · 3.875%
HK$193,217
−HK$5,120/mo
Today · 4.125%
HK$198,337
baseline
▲ 0.50% · 4.625%
HK$208,791
+HK$10,454/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$396,674/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,412 · Scale 2, in force from 26 Feb 2026)