LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,182
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$97,112
−HK$2,976/mo
Today · 4.125%
HK$100,088
baseline
▲ 0.50% · 4.625%
HK$106,178
+HK$6,090/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$200,176/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,777
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,587
−HK$2,850/mo
Today · 4.125%
HK$110,437
baseline
▲ 0.50% · 4.625%
HK$116,259
+HK$5,822/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$220,874/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,019
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,534
−HK$3,572/mo
Today · 4.125%
HK$120,106
baseline
▲ 0.50% · 4.625%
HK$127,414
+HK$7,308/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$240,212/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,732
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$129,104
−HK$3,421/mo
Today · 4.125%
HK$132,525
baseline
▲ 0.50% · 4.625%
HK$139,511
+HK$6,986/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$265,050/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,855
−HK$8,268/mo
▼ 0.25% · 3.875%
HK$135,956
−HK$4,167/mo
Today · 4.125%
HK$140,123
baseline
▲ 0.50% · 4.625%
HK$148,650
+HK$8,527/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$280,246/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,687
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$150,621
−HK$3,991/mo
Today · 4.125%
HK$154,612
baseline
▲ 0.50% · 4.625%
HK$162,762
+HK$8,150/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$309,224/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,528
−HK$10,631/mo
▼ 0.25% · 3.875%
HK$174,801
−HK$5,358/mo
Today · 4.125%
HK$180,159
baseline
▲ 0.50% · 4.625%
HK$191,121
+HK$10,962/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$360,318/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,598
−HK$10,189/mo
▼ 0.25% · 3.875%
HK$193,656
−HK$5,131/mo
Today · 4.125%
HK$198,787
baseline
▲ 0.50% · 4.625%
HK$209,266
+HK$10,479/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$397,574/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,391 · Scale 2, in force from 26 Feb 2026)