LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,075
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,002
−HK$2,973/mo
Today · 4.125%
HK$99,975
baseline
▲ 0.50% · 4.625%
HK$106,058
+HK$6,083/mo
Deposit HK$20.63M · loan HK$20.63M · min. income ≈ HK$199,950/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$1,753,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,658
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$107,465
−HK$2,847/mo
Today · 4.125%
HK$110,312
baseline
▲ 0.50% · 4.625%
HK$116,127
+HK$5,815/mo
Deposit HK$20.63M · loan HK$20.63M · min. income ≈ HK$220,624/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$1,753,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,891
−HK$7,079/mo
▼ 0.25% · 3.875%
HK$116,402
−HK$3,568/mo
Today · 4.125%
HK$119,970
baseline
▲ 0.50% · 4.625%
HK$127,270
+HK$7,300/mo
Deposit HK$16.50M · loan HK$24.75M · min. income ≈ HK$239,940/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,753,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,590
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$128,958
−HK$3,417/mo
Today · 4.125%
HK$132,375
baseline
▲ 0.50% · 4.625%
HK$139,352
+HK$6,977/mo
Deposit HK$16.50M · loan HK$24.75M · min. income ≈ HK$264,750/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,753,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,706
−HK$8,259/mo
▼ 0.25% · 3.875%
HK$135,802
−HK$4,163/mo
Today · 4.125%
HK$139,965
baseline
▲ 0.50% · 4.625%
HK$148,481
+HK$8,516/mo
Deposit HK$12.38M · loan HK$28.88M · min. income ≈ HK$279,930/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,753,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,521
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$150,451
−HK$3,986/mo
Today · 4.125%
HK$154,437
baseline
▲ 0.50% · 4.625%
HK$162,578
+HK$8,141/mo
Deposit HK$12.38M · loan HK$28.88M · min. income ≈ HK$308,874/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,753,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,336
−HK$10,619/mo
▼ 0.25% · 3.875%
HK$174,603
−HK$5,352/mo
Today · 4.125%
HK$179,955
baseline
▲ 0.50% · 4.625%
HK$190,904
+HK$10,949/mo
Deposit HK$4.13M · loan HK$37.13M · min. income ≈ HK$359,910/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,753,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,384
−HK$10,178/mo
▼ 0.25% · 3.875%
HK$193,437
−HK$5,125/mo
Today · 4.125%
HK$198,562
baseline
▲ 0.50% · 4.625%
HK$209,029
+HK$10,467/mo
Deposit HK$4.13M · loan HK$37.13M · min. income ≈ HK$397,124/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,753,402 · Scale 2, in force from 26 Feb 2026)