LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,180
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$97,110
−HK$2,976/mo
Today · 4.125%
HK$100,086
baseline
▲ 0.50% · 4.625%
HK$106,176
+HK$6,090/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$200,172/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,775
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,585
−HK$2,850/mo
Today · 4.125%
HK$110,435
baseline
▲ 0.50% · 4.625%
HK$116,256
+HK$5,821/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$220,870/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,016
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,532
−HK$3,571/mo
Today · 4.125%
HK$120,103
baseline
▲ 0.50% · 4.625%
HK$127,411
+HK$7,308/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$240,206/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,729
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$129,101
−HK$3,421/mo
Today · 4.125%
HK$132,522
baseline
▲ 0.50% · 4.625%
HK$139,508
+HK$6,986/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$265,044/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,852
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$135,954
−HK$4,167/mo
Today · 4.125%
HK$140,121
baseline
▲ 0.50% · 4.625%
HK$148,647
+HK$8,526/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$280,242/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,684
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$150,618
−HK$3,991/mo
Today · 4.125%
HK$154,609
baseline
▲ 0.50% · 4.625%
HK$162,759
+HK$8,150/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$309,218/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,524
−HK$10,631/mo
▼ 0.25% · 3.875%
HK$174,798
−HK$5,357/mo
Today · 4.125%
HK$180,155
baseline
▲ 0.50% · 4.625%
HK$191,117
+HK$10,962/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$360,310/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,594
−HK$10,189/mo
▼ 0.25% · 3.875%
HK$193,652
−HK$5,131/mo
Today · 4.125%
HK$198,783
baseline
▲ 0.50% · 4.625%
HK$209,262
+HK$10,479/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$397,566/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,356 · Scale 2, in force from 26 Feb 2026)