LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,351
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$97,286
−HK$2,982/mo
Today · 4.125%
HK$100,268
baseline
▲ 0.50% · 4.625%
HK$106,369
+HK$6,101/mo
Deposit HK$20.69M · loan HK$20.69M · min. income ≈ HK$200,536/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$1,758,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,965
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$107,780
−HK$2,856/mo
Today · 4.125%
HK$110,636
baseline
▲ 0.50% · 4.625%
HK$116,468
+HK$5,832/mo
Deposit HK$20.69M · loan HK$20.69M · min. income ≈ HK$221,272/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$1,758,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,222
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$116,743
−HK$3,579/mo
Today · 4.125%
HK$120,322
baseline
▲ 0.50% · 4.625%
HK$127,643
+HK$7,321/mo
Deposit HK$16.55M · loan HK$24.83M · min. income ≈ HK$240,644/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,758,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,958
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$129,336
−HK$3,427/mo
Today · 4.125%
HK$132,763
baseline
▲ 0.50% · 4.625%
HK$139,761
+HK$6,998/mo
Deposit HK$16.55M · loan HK$24.83M · min. income ≈ HK$265,526/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,758,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,092
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$136,201
−HK$4,174/mo
Today · 4.125%
HK$140,375
baseline
▲ 0.50% · 4.625%
HK$148,917
+HK$8,542/mo
Deposit HK$12.41M · loan HK$28.96M · min. income ≈ HK$280,750/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,951
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$150,892
−HK$3,998/mo
Today · 4.125%
HK$154,890
baseline
▲ 0.50% · 4.625%
HK$163,055
+HK$8,165/mo
Deposit HK$12.41M · loan HK$28.96M · min. income ≈ HK$309,780/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,832
−HK$10,650/mo
▼ 0.25% · 3.875%
HK$175,115
−HK$5,367/mo
Today · 4.125%
HK$180,482
baseline
▲ 0.50% · 4.625%
HK$191,464
+HK$10,982/mo
Deposit HK$4.14M · loan HK$37.24M · min. income ≈ HK$360,964/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,758,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,937
−HK$10,208/mo
▼ 0.25% · 3.875%
HK$194,004
−HK$5,141/mo
Today · 4.125%
HK$199,145
baseline
▲ 0.50% · 4.625%
HK$209,642
+HK$10,497/mo
Deposit HK$4.14M · loan HK$37.24M · min. income ≈ HK$398,290/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,758,546 · Scale 2, in force from 26 Feb 2026)