LTV · monthly repayment
▼ 0.50% · 3.625%
HK$93,997
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,920
−HK$2,971/mo
Today · 4.125%
HK$99,891
baseline
▲ 0.50% · 4.625%
HK$105,969
+HK$6,078/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$199,782/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,570
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,375
−HK$2,845/mo
Today · 4.125%
HK$110,220
baseline
▲ 0.50% · 4.625%
HK$116,030
+HK$5,810/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$220,440/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,796
−HK$7,073/mo
▼ 0.25% · 3.875%
HK$116,305
−HK$3,564/mo
Today · 4.125%
HK$119,869
baseline
▲ 0.50% · 4.625%
HK$127,163
+HK$7,294/mo
Deposit HK$16.49M · loan HK$24.73M · min. income ≈ HK$239,738/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,484
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$128,850
−HK$3,414/mo
Today · 4.125%
HK$132,264
baseline
▲ 0.50% · 4.625%
HK$139,236
+HK$6,972/mo
Deposit HK$16.49M · loan HK$24.73M · min. income ≈ HK$264,528/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,595
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$135,689
−HK$4,159/mo
Today · 4.125%
HK$139,848
baseline
▲ 0.50% · 4.625%
HK$148,357
+HK$8,509/mo
Deposit HK$12.37M · loan HK$28.86M · min. income ≈ HK$279,696/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,751,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,398
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$150,325
−HK$3,983/mo
Today · 4.125%
HK$154,308
baseline
▲ 0.50% · 4.625%
HK$162,442
+HK$8,134/mo
Deposit HK$12.37M · loan HK$28.86M · min. income ≈ HK$308,616/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,751,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,194
−HK$10,610/mo
▼ 0.25% · 3.875%
HK$174,457
−HK$5,347/mo
Today · 4.125%
HK$179,804
baseline
▲ 0.50% · 4.625%
HK$190,745
+HK$10,941/mo
Deposit HK$4.12M · loan HK$37.10M · min. income ≈ HK$359,608/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,227
−HK$10,169/mo
▼ 0.25% · 3.875%
HK$193,275
−HK$5,121/mo
Today · 4.125%
HK$198,396
baseline
▲ 0.50% · 4.625%
HK$208,854
+HK$10,458/mo
Deposit HK$4.12M · loan HK$37.10M · min. income ≈ HK$396,792/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,934 · Scale 2, in force from 26 Feb 2026)