LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,138
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$97,066
−HK$2,975/mo
Today · 4.125%
HK$100,041
baseline
▲ 0.50% · 4.625%
HK$106,128
+HK$6,087/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$200,082/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,727
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,536
−HK$2,849/mo
Today · 4.125%
HK$110,385
baseline
▲ 0.50% · 4.625%
HK$116,204
+HK$5,819/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$220,770/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,965
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$116,479
−HK$3,570/mo
Today · 4.125%
HK$120,049
baseline
▲ 0.50% · 4.625%
HK$127,354
+HK$7,305/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$240,098/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,673
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$129,043
−HK$3,420/mo
Today · 4.125%
HK$132,463
baseline
▲ 0.50% · 4.625%
HK$139,445
+HK$6,982/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$264,926/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,793
−HK$8,264/mo
▼ 0.25% · 3.875%
HK$135,892
−HK$4,165/mo
Today · 4.125%
HK$140,057
baseline
▲ 0.50% · 4.625%
HK$148,580
+HK$8,523/mo
Deposit HK$12.39M · loan HK$28.90M · min. income ≈ HK$280,114/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,618
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$150,551
−HK$3,989/mo
Today · 4.125%
HK$154,540
baseline
▲ 0.50% · 4.625%
HK$162,686
+HK$8,146/mo
Deposit HK$12.39M · loan HK$28.90M · min. income ≈ HK$309,080/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,448
−HK$10,626/mo
▼ 0.25% · 3.875%
HK$174,719
−HK$5,355/mo
Today · 4.125%
HK$180,074
baseline
▲ 0.50% · 4.625%
HK$191,031
+HK$10,957/mo
Deposit HK$4.13M · loan HK$37.16M · min. income ≈ HK$360,148/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,509
−HK$10,185/mo
▼ 0.25% · 3.875%
HK$193,565
−HK$5,129/mo
Today · 4.125%
HK$198,694
baseline
▲ 0.50% · 4.625%
HK$209,167
+HK$10,473/mo
Deposit HK$4.13M · loan HK$37.16M · min. income ≈ HK$397,388/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,565 · Scale 2, in force from 26 Feb 2026)