LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,313
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$97,247
−HK$2,980/mo
Today · 4.125%
HK$100,227
baseline
▲ 0.50% · 4.625%
HK$106,326
+HK$6,099/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$200,454/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,757,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,922
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,736
−HK$2,855/mo
Today · 4.125%
HK$110,591
baseline
▲ 0.50% · 4.625%
HK$116,420
+HK$5,829/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$221,182/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,757,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,176
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$116,696
−HK$3,577/mo
Today · 4.125%
HK$120,273
baseline
▲ 0.50% · 4.625%
HK$127,591
+HK$7,318/mo
Deposit HK$16.54M · loan HK$24.82M · min. income ≈ HK$240,546/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,907
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$129,284
−HK$3,425/mo
Today · 4.125%
HK$132,709
baseline
▲ 0.50% · 4.625%
HK$139,704
+HK$6,995/mo
Deposit HK$16.54M · loan HK$24.82M · min. income ≈ HK$265,418/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,038
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$136,145
−HK$4,173/mo
Today · 4.125%
HK$140,318
baseline
▲ 0.50% · 4.625%
HK$148,856
+HK$8,538/mo
Deposit HK$12.41M · loan HK$28.95M · min. income ≈ HK$280,636/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,757,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,891
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$150,831
−HK$3,996/mo
Today · 4.125%
HK$154,827
baseline
▲ 0.50% · 4.625%
HK$162,989
+HK$8,162/mo
Deposit HK$12.41M · loan HK$28.95M · min. income ≈ HK$309,654/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,757,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,764
−HK$10,645/mo
▼ 0.25% · 3.875%
HK$175,044
−HK$5,365/mo
Today · 4.125%
HK$180,409
baseline
▲ 0.50% · 4.625%
HK$191,387
+HK$10,978/mo
Deposit HK$4.14M · loan HK$37.22M · min. income ≈ HK$360,818/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,860
−HK$10,204/mo
▼ 0.25% · 3.875%
HK$193,925
−HK$5,139/mo
Today · 4.125%
HK$199,064
baseline
▲ 0.50% · 4.625%
HK$209,557
+HK$10,493/mo
Deposit HK$4.14M · loan HK$37.22M · min. income ≈ HK$398,128/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,831 · Scale 2, in force from 26 Feb 2026)