LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,325
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$97,259
−HK$2,981/mo
Today · 4.125%
HK$100,240
baseline
▲ 0.50% · 4.625%
HK$106,339
+HK$6,099/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$200,480/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,758,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,936
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,750
−HK$2,855/mo
Today · 4.125%
HK$110,605
baseline
▲ 0.50% · 4.625%
HK$116,435
+HK$5,830/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$221,210/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,758,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,190
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,711
−HK$3,577/mo
Today · 4.125%
HK$120,288
baseline
▲ 0.50% · 4.625%
HK$127,607
+HK$7,319/mo
Deposit HK$16.55M · loan HK$24.82M · min. income ≈ HK$240,576/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,758,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,923
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,300
−HK$3,426/mo
Today · 4.125%
HK$132,726
baseline
▲ 0.50% · 4.625%
HK$139,722
+HK$6,996/mo
Deposit HK$16.55M · loan HK$24.82M · min. income ≈ HK$265,452/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,758,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,055
−HK$8,281/mo
▼ 0.25% · 3.875%
HK$136,163
−HK$4,173/mo
Today · 4.125%
HK$140,336
baseline
▲ 0.50% · 4.625%
HK$148,875
+HK$8,539/mo
Deposit HK$12.41M · loan HK$28.96M · min. income ≈ HK$280,672/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,910
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$150,850
−HK$3,997/mo
Today · 4.125%
HK$154,847
baseline
▲ 0.50% · 4.625%
HK$163,009
+HK$8,162/mo
Deposit HK$12.41M · loan HK$28.96M · min. income ≈ HK$309,694/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,785
−HK$10,647/mo
▼ 0.25% · 3.875%
HK$175,066
−HK$5,366/mo
Today · 4.125%
HK$180,432
baseline
▲ 0.50% · 4.625%
HK$191,411
+HK$10,979/mo
Deposit HK$4.14M · loan HK$37.23M · min. income ≈ HK$360,864/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,758,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,884
−HK$10,205/mo
▼ 0.25% · 3.875%
HK$193,950
−HK$5,139/mo
Today · 4.125%
HK$199,089
baseline
▲ 0.50% · 4.625%
HK$209,583
+HK$10,494/mo
Deposit HK$4.14M · loan HK$37.23M · min. income ≈ HK$398,178/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,758,052 · Scale 2, in force from 26 Feb 2026)