LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,328
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$97,263
−HK$2,981/mo
Today · 4.125%
HK$100,244
baseline
▲ 0.50% · 4.625%
HK$106,343
+HK$6,099/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$200,488/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,758,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,939
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$107,754
−HK$2,855/mo
Today · 4.125%
HK$110,609
baseline
▲ 0.50% · 4.625%
HK$116,439
+HK$5,830/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$221,218/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,758,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,194
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,715
−HK$3,577/mo
Today · 4.125%
HK$120,292
baseline
▲ 0.50% · 4.625%
HK$127,612
+HK$7,320/mo
Deposit HK$16.55M · loan HK$24.82M · min. income ≈ HK$240,584/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,758,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,927
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$129,305
−HK$3,426/mo
Today · 4.125%
HK$132,731
baseline
▲ 0.50% · 4.625%
HK$139,727
+HK$6,996/mo
Deposit HK$16.55M · loan HK$24.82M · min. income ≈ HK$265,462/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,758,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,060
−HK$8,281/mo
▼ 0.25% · 3.875%
HK$136,168
−HK$4,173/mo
Today · 4.125%
HK$140,341
baseline
▲ 0.50% · 4.625%
HK$148,881
+HK$8,540/mo
Deposit HK$12.41M · loan HK$28.96M · min. income ≈ HK$280,682/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,915
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$150,855
−HK$3,998/mo
Today · 4.125%
HK$154,853
baseline
▲ 0.50% · 4.625%
HK$163,015
+HK$8,162/mo
Deposit HK$12.41M · loan HK$28.96M · min. income ≈ HK$309,706/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,791
−HK$10,648/mo
▼ 0.25% · 3.875%
HK$175,073
−HK$5,366/mo
Today · 4.125%
HK$180,439
baseline
▲ 0.50% · 4.625%
HK$191,418
+HK$10,979/mo
Deposit HK$4.14M · loan HK$37.23M · min. income ≈ HK$360,878/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,758,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,891
−HK$10,205/mo
▼ 0.25% · 3.875%
HK$193,957
−HK$5,139/mo
Today · 4.125%
HK$199,096
baseline
▲ 0.50% · 4.625%
HK$209,591
+HK$10,495/mo
Deposit HK$4.14M · loan HK$37.23M · min. income ≈ HK$398,192/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,758,119 · Scale 2, in force from 26 Feb 2026)