LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,451
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,388
−HK$2,985/mo
Today · 4.125%
HK$100,373
baseline
▲ 0.50% · 4.625%
HK$106,481
+HK$6,108/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$200,746/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,760,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,075
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,893
−HK$2,859/mo
Today · 4.125%
HK$110,752
baseline
▲ 0.50% · 4.625%
HK$116,590
+HK$5,838/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$221,504/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,760,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,341
−HK$7,107/mo
▼ 0.25% · 3.875%
HK$116,866
−HK$3,582/mo
Today · 4.125%
HK$120,448
baseline
▲ 0.50% · 4.625%
HK$127,777
+HK$7,329/mo
Deposit HK$16.57M · loan HK$24.85M · min. income ≈ HK$240,896/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,090
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$129,472
−HK$3,431/mo
Today · 4.125%
HK$132,903
baseline
▲ 0.50% · 4.625%
HK$139,908
+HK$7,005/mo
Deposit HK$16.57M · loan HK$24.85M · min. income ≈ HK$265,806/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,231
−HK$8,292/mo
▼ 0.25% · 3.875%
HK$136,344
−HK$4,179/mo
Today · 4.125%
HK$140,523
baseline
▲ 0.50% · 4.625%
HK$149,073
+HK$8,550/mo
Deposit HK$12.43M · loan HK$28.99M · min. income ≈ HK$281,046/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,105
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$151,051
−HK$4,002/mo
Today · 4.125%
HK$155,053
baseline
▲ 0.50% · 4.625%
HK$163,226
+HK$8,173/mo
Deposit HK$12.43M · loan HK$28.99M · min. income ≈ HK$310,106/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,011
−HK$10,661/mo
▼ 0.25% · 3.875%
HK$175,299
−HK$5,373/mo
Today · 4.125%
HK$180,672
baseline
▲ 0.50% · 4.625%
HK$191,666
+HK$10,994/mo
Deposit HK$4.14M · loan HK$37.28M · min. income ≈ HK$361,344/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,136
−HK$10,218/mo
▼ 0.25% · 3.875%
HK$194,208
−HK$5,146/mo
Today · 4.125%
HK$199,354
baseline
▲ 0.50% · 4.625%
HK$209,862
+HK$10,508/mo
Deposit HK$4.14M · loan HK$37.28M · min. income ≈ HK$398,708/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,394 · Scale 2, in force from 26 Feb 2026)