LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,970
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$96,893
−HK$2,970/mo
Today · 4.125%
HK$99,863
baseline
▲ 0.50% · 4.625%
HK$105,939
+HK$6,076/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$199,726/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,540
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$107,344
−HK$2,844/mo
Today · 4.125%
HK$110,188
baseline
▲ 0.50% · 4.625%
HK$115,997
+HK$5,809/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$220,376/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,764
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$116,271
−HK$3,564/mo
Today · 4.125%
HK$119,835
baseline
▲ 0.50% · 4.625%
HK$127,127
+HK$7,292/mo
Deposit HK$16.48M · loan HK$24.73M · min. income ≈ HK$239,670/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,449
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$128,813
−HK$3,413/mo
Today · 4.125%
HK$132,226
baseline
▲ 0.50% · 4.625%
HK$139,196
+HK$6,970/mo
Deposit HK$16.48M · loan HK$24.73M · min. income ≈ HK$264,452/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,558
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,650
−HK$4,158/mo
Today · 4.125%
HK$139,808
baseline
▲ 0.50% · 4.625%
HK$148,314
+HK$8,506/mo
Deposit HK$12.36M · loan HK$28.85M · min. income ≈ HK$279,616/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,751,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,357
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$150,282
−HK$3,982/mo
Today · 4.125%
HK$154,264
baseline
▲ 0.50% · 4.625%
HK$162,395
+HK$8,131/mo
Deposit HK$12.36M · loan HK$28.85M · min. income ≈ HK$308,528/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,751,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,146
−HK$10,607/mo
▼ 0.25% · 3.875%
HK$174,407
−HK$5,346/mo
Today · 4.125%
HK$179,753
baseline
▲ 0.50% · 4.625%
HK$190,690
+HK$10,937/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$359,506/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,173
−HK$10,166/mo
▼ 0.25% · 3.875%
HK$193,219
−HK$5,120/mo
Today · 4.125%
HK$198,339
baseline
▲ 0.50% · 4.625%
HK$208,794
+HK$10,455/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$396,678/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,433 · Scale 2, in force from 26 Feb 2026)