LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,127
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,055
−HK$2,974/mo
Today · 4.125%
HK$100,029
baseline
▲ 0.50% · 4.625%
HK$106,116
+HK$6,087/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$200,058/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,754,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,715
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$107,523
−HK$2,849/mo
Today · 4.125%
HK$110,372
baseline
▲ 0.50% · 4.625%
HK$116,190
+HK$5,818/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$220,744/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,754,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,952
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$116,465
−HK$3,570/mo
Today · 4.125%
HK$120,035
baseline
▲ 0.50% · 4.625%
HK$127,339
+HK$7,304/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$240,070/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,658
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$129,028
−HK$3,419/mo
Today · 4.125%
HK$132,447
baseline
▲ 0.50% · 4.625%
HK$139,428
+HK$6,981/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$264,894/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,777
−HK$8,264/mo
▼ 0.25% · 3.875%
HK$135,876
−HK$4,165/mo
Today · 4.125%
HK$140,041
baseline
▲ 0.50% · 4.625%
HK$148,562
+HK$8,521/mo
Deposit HK$12.38M · loan HK$28.90M · min. income ≈ HK$280,082/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,601
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$150,533
−HK$3,988/mo
Today · 4.125%
HK$154,521
baseline
▲ 0.50% · 4.625%
HK$162,666
+HK$8,145/mo
Deposit HK$12.38M · loan HK$28.90M · min. income ≈ HK$309,042/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,428
−HK$10,625/mo
▼ 0.25% · 3.875%
HK$174,698
−HK$5,355/mo
Today · 4.125%
HK$180,053
baseline
▲ 0.50% · 4.625%
HK$191,008
+HK$10,955/mo
Deposit HK$4.13M · loan HK$37.15M · min. income ≈ HK$360,106/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,487
−HK$10,183/mo
▼ 0.25% · 3.875%
HK$193,542
−HK$5,128/mo
Today · 4.125%
HK$198,670
baseline
▲ 0.50% · 4.625%
HK$209,142
+HK$10,472/mo
Deposit HK$4.13M · loan HK$37.15M · min. income ≈ HK$397,340/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,357 · Scale 2, in force from 26 Feb 2026)