LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,404
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$97,340
−HK$2,984/mo
Today · 4.125%
HK$100,324
baseline
▲ 0.50% · 4.625%
HK$106,428
+HK$6,104/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$200,648/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,023
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,840
−HK$2,857/mo
Today · 4.125%
HK$110,697
baseline
▲ 0.50% · 4.625%
HK$116,532
+HK$5,835/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$221,394/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,285
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$116,808
−HK$3,580/mo
Today · 4.125%
HK$120,388
baseline
▲ 0.50% · 4.625%
HK$127,714
+HK$7,326/mo
Deposit HK$16.56M · loan HK$24.84M · min. income ≈ HK$240,776/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,028
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$129,408
−HK$3,429/mo
Today · 4.125%
HK$132,837
baseline
▲ 0.50% · 4.625%
HK$139,839
+HK$7,002/mo
Deposit HK$16.56M · loan HK$24.84M · min. income ≈ HK$265,674/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,165
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$136,276
−HK$4,177/mo
Today · 4.125%
HK$140,453
baseline
▲ 0.50% · 4.625%
HK$148,999
+HK$8,546/mo
Deposit HK$12.42M · loan HK$28.98M · min. income ≈ HK$280,906/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,033
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$150,976
−HK$4,000/mo
Today · 4.125%
HK$154,976
baseline
▲ 0.50% · 4.625%
HK$163,145
+HK$8,169/mo
Deposit HK$12.42M · loan HK$28.98M · min. income ≈ HK$309,952/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,927
−HK$10,656/mo
▼ 0.25% · 3.875%
HK$175,213
−HK$5,370/mo
Today · 4.125%
HK$180,583
baseline
▲ 0.50% · 4.625%
HK$191,571
+HK$10,988/mo
Deposit HK$4.14M · loan HK$37.26M · min. income ≈ HK$361,166/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,042
−HK$10,213/mo
▼ 0.25% · 3.875%
HK$194,112
−HK$5,143/mo
Today · 4.125%
HK$199,255
baseline
▲ 0.50% · 4.625%
HK$209,758
+HK$10,503/mo
Deposit HK$4.14M · loan HK$37.26M · min. income ≈ HK$398,510/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,523 · Scale 2, in force from 26 Feb 2026)