LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,345
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$97,280
−HK$2,981/mo
Today · 4.125%
HK$100,261
baseline
▲ 0.50% · 4.625%
HK$106,362
+HK$6,101/mo
Deposit HK$20.69M · loan HK$20.69M · min. income ≈ HK$200,522/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$1,758,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,958
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$107,773
−HK$2,856/mo
Today · 4.125%
HK$110,629
baseline
▲ 0.50% · 4.625%
HK$116,460
+HK$5,831/mo
Deposit HK$20.69M · loan HK$20.69M · min. income ≈ HK$221,258/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$1,758,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,214
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$116,736
−HK$3,578/mo
Today · 4.125%
HK$120,314
baseline
▲ 0.50% · 4.625%
HK$127,634
+HK$7,320/mo
Deposit HK$16.55M · loan HK$24.82M · min. income ≈ HK$240,628/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,758,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,950
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$129,328
−HK$3,426/mo
Today · 4.125%
HK$132,754
baseline
▲ 0.50% · 4.625%
HK$139,752
+HK$6,998/mo
Deposit HK$16.55M · loan HK$24.82M · min. income ≈ HK$265,508/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,758,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,083
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$136,192
−HK$4,174/mo
Today · 4.125%
HK$140,366
baseline
▲ 0.50% · 4.625%
HK$148,907
+HK$8,541/mo
Deposit HK$12.41M · loan HK$28.96M · min. income ≈ HK$280,732/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,941
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$150,882
−HK$3,998/mo
Today · 4.125%
HK$154,880
baseline
▲ 0.50% · 4.625%
HK$163,044
+HK$8,164/mo
Deposit HK$12.41M · loan HK$28.96M · min. income ≈ HK$309,760/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,821
−HK$10,650/mo
▼ 0.25% · 3.875%
HK$175,104
−HK$5,367/mo
Today · 4.125%
HK$180,471
baseline
▲ 0.50% · 4.625%
HK$191,452
+HK$10,981/mo
Deposit HK$4.14M · loan HK$37.24M · min. income ≈ HK$360,942/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,758,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,924
−HK$10,207/mo
▼ 0.25% · 3.875%
HK$193,991
−HK$5,140/mo
Today · 4.125%
HK$199,131
baseline
▲ 0.50% · 4.625%
HK$209,628
+HK$10,497/mo
Deposit HK$4.14M · loan HK$37.24M · min. income ≈ HK$398,262/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,758,429 · Scale 2, in force from 26 Feb 2026)