LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,279
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$97,212
−HK$2,979/mo
Today · 4.125%
HK$100,191
baseline
▲ 0.50% · 4.625%
HK$106,288
+HK$6,097/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$200,382/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$1,757,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,885
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$107,697
−HK$2,854/mo
Today · 4.125%
HK$110,551
baseline
▲ 0.50% · 4.625%
HK$116,378
+HK$5,827/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$221,102/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$1,757,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,135
−HK$7,094/mo
▼ 0.25% · 3.875%
HK$116,654
−HK$3,575/mo
Today · 4.125%
HK$120,229
baseline
▲ 0.50% · 4.625%
HK$127,545
+HK$7,316/mo
Deposit HK$16.54M · loan HK$24.81M · min. income ≈ HK$240,458/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,861
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$129,237
−HK$3,424/mo
Today · 4.125%
HK$132,661
baseline
▲ 0.50% · 4.625%
HK$139,654
+HK$6,993/mo
Deposit HK$16.54M · loan HK$24.81M · min. income ≈ HK$265,322/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,991
−HK$8,277/mo
▼ 0.25% · 3.875%
HK$136,096
−HK$4,172/mo
Today · 4.125%
HK$140,268
baseline
▲ 0.50% · 4.625%
HK$148,803
+HK$8,535/mo
Deposit HK$12.40M · loan HK$28.94M · min. income ≈ HK$280,536/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,757,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,838
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$150,776
−HK$3,996/mo
Today · 4.125%
HK$154,772
baseline
▲ 0.50% · 4.625%
HK$162,930
+HK$8,158/mo
Deposit HK$12.40M · loan HK$28.94M · min. income ≈ HK$309,544/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,757,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,702
−HK$10,642/mo
▼ 0.25% · 3.875%
HK$174,981
−HK$5,363/mo
Today · 4.125%
HK$180,344
baseline
▲ 0.50% · 4.625%
HK$191,318
+HK$10,974/mo
Deposit HK$4.13M · loan HK$37.21M · min. income ≈ HK$360,688/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,792
−HK$10,200/mo
▼ 0.25% · 3.875%
HK$193,855
−HK$5,137/mo
Today · 4.125%
HK$198,992
baseline
▲ 0.50% · 4.625%
HK$209,481
+HK$10,489/mo
Deposit HK$4.13M · loan HK$37.21M · min. income ≈ HK$397,984/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,198 · Scale 2, in force from 26 Feb 2026)