LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,139
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$97,068
−HK$2,975/mo
Today · 4.125%
HK$100,043
baseline
▲ 0.50% · 4.625%
HK$106,130
+HK$6,087/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$200,086/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,729
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,538
−HK$2,849/mo
Today · 4.125%
HK$110,387
baseline
▲ 0.50% · 4.625%
HK$116,206
+HK$5,819/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$220,774/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,967
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$116,481
−HK$3,570/mo
Today · 4.125%
HK$120,051
baseline
▲ 0.50% · 4.625%
HK$127,356
+HK$7,305/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$240,102/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,675
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$129,045
−HK$3,420/mo
Today · 4.125%
HK$132,465
baseline
▲ 0.50% · 4.625%
HK$139,447
+HK$6,982/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$264,930/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,795
−HK$8,265/mo
▼ 0.25% · 3.875%
HK$135,895
−HK$4,165/mo
Today · 4.125%
HK$140,060
baseline
▲ 0.50% · 4.625%
HK$148,582
+HK$8,522/mo
Deposit HK$12.39M · loan HK$28.90M · min. income ≈ HK$280,120/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,621
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$150,553
−HK$3,989/mo
Today · 4.125%
HK$154,542
baseline
▲ 0.50% · 4.625%
HK$162,688
+HK$8,146/mo
Deposit HK$12.39M · loan HK$28.90M · min. income ≈ HK$309,084/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,451
−HK$10,626/mo
▼ 0.25% · 3.875%
HK$174,722
−HK$5,355/mo
Today · 4.125%
HK$180,077
baseline
▲ 0.50% · 4.625%
HK$191,034
+HK$10,957/mo
Deposit HK$4.13M · loan HK$37.16M · min. income ≈ HK$360,154/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,512
−HK$10,185/mo
▼ 0.25% · 3.875%
HK$193,568
−HK$5,129/mo
Today · 4.125%
HK$198,697
baseline
▲ 0.50% · 4.625%
HK$209,171
+HK$10,474/mo
Deposit HK$4.13M · loan HK$37.16M · min. income ≈ HK$397,394/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,594 · Scale 2, in force from 26 Feb 2026)