LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,129
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,057
−HK$2,974/mo
Today · 4.125%
HK$100,031
baseline
▲ 0.50% · 4.625%
HK$106,118
+HK$6,087/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$200,062/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,754,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,717
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,526
−HK$2,849/mo
Today · 4.125%
HK$110,375
baseline
▲ 0.50% · 4.625%
HK$116,193
+HK$5,818/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$220,750/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,754,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,954
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$116,468
−HK$3,570/mo
Today · 4.125%
HK$120,038
baseline
▲ 0.50% · 4.625%
HK$127,342
+HK$7,304/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$240,076/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,661
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$129,031
−HK$3,419/mo
Today · 4.125%
HK$132,450
baseline
▲ 0.50% · 4.625%
HK$139,431
+HK$6,981/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$264,900/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,780
−HK$8,264/mo
▼ 0.25% · 3.875%
HK$135,879
−HK$4,165/mo
Today · 4.125%
HK$140,044
baseline
▲ 0.50% · 4.625%
HK$148,565
+HK$8,521/mo
Deposit HK$12.38M · loan HK$28.90M · min. income ≈ HK$280,088/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,604
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$150,536
−HK$3,989/mo
Today · 4.125%
HK$154,525
baseline
▲ 0.50% · 4.625%
HK$162,670
+HK$8,145/mo
Deposit HK$12.38M · loan HK$28.90M · min. income ≈ HK$309,050/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,432
−HK$10,624/mo
▼ 0.25% · 3.875%
HK$174,702
−HK$5,354/mo
Today · 4.125%
HK$180,056
baseline
▲ 0.50% · 4.625%
HK$191,012
+HK$10,956/mo
Deposit HK$4.13M · loan HK$37.15M · min. income ≈ HK$360,112/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,491
−HK$10,183/mo
▼ 0.25% · 3.875%
HK$193,546
−HK$5,128/mo
Today · 4.125%
HK$198,674
baseline
▲ 0.50% · 4.625%
HK$209,147
+HK$10,473/mo
Deposit HK$4.13M · loan HK$37.15M · min. income ≈ HK$397,348/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,394 · Scale 2, in force from 26 Feb 2026)