LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,142
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$97,071
−HK$2,975/mo
Today · 4.125%
HK$100,046
baseline
▲ 0.50% · 4.625%
HK$106,134
+HK$6,088/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$200,092/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,733
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,541
−HK$2,850/mo
Today · 4.125%
HK$110,391
baseline
▲ 0.50% · 4.625%
HK$116,210
+HK$5,819/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$220,782/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,971
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$116,485
−HK$3,570/mo
Today · 4.125%
HK$120,055
baseline
▲ 0.50% · 4.625%
HK$127,360
+HK$7,305/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$240,110/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,679
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$129,050
−HK$3,419/mo
Today · 4.125%
HK$132,469
baseline
▲ 0.50% · 4.625%
HK$139,452
+HK$6,983/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$264,938/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,799
−HK$8,265/mo
▼ 0.25% · 3.875%
HK$135,899
−HK$4,165/mo
Today · 4.125%
HK$140,064
baseline
▲ 0.50% · 4.625%
HK$148,587
+HK$8,523/mo
Deposit HK$12.39M · loan HK$28.90M · min. income ≈ HK$280,128/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,626
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$150,558
−HK$3,989/mo
Today · 4.125%
HK$154,547
baseline
▲ 0.50% · 4.625%
HK$162,694
+HK$8,147/mo
Deposit HK$12.39M · loan HK$28.90M · min. income ≈ HK$309,094/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,456
−HK$10,627/mo
▼ 0.25% · 3.875%
HK$174,727
−HK$5,356/mo
Today · 4.125%
HK$180,083
baseline
▲ 0.50% · 4.625%
HK$191,040
+HK$10,957/mo
Deposit HK$4.13M · loan HK$37.16M · min. income ≈ HK$360,166/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,519
−HK$10,185/mo
▼ 0.25% · 3.875%
HK$193,575
−HK$5,129/mo
Today · 4.125%
HK$198,704
baseline
▲ 0.50% · 4.625%
HK$209,178
+HK$10,474/mo
Deposit HK$4.13M · loan HK$37.16M · min. income ≈ HK$397,408/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,652 · Scale 2, in force from 26 Feb 2026)