LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,473
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,412
−HK$2,985/mo
Today · 4.125%
HK$100,397
baseline
▲ 0.50% · 4.625%
HK$106,506
+HK$6,109/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$200,794/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,760,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,100
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,919
−HK$2,860/mo
Today · 4.125%
HK$110,779
baseline
▲ 0.50% · 4.625%
HK$116,618
+HK$5,839/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$221,558/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,760,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,368
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,894
−HK$3,583/mo
Today · 4.125%
HK$120,477
baseline
▲ 0.50% · 4.625%
HK$127,808
+HK$7,331/mo
Deposit HK$16.57M · loan HK$24.86M · min. income ≈ HK$240,954/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,120
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,503
−HK$3,431/mo
Today · 4.125%
HK$132,934
baseline
▲ 0.50% · 4.625%
HK$139,942
+HK$7,008/mo
Deposit HK$16.57M · loan HK$24.86M · min. income ≈ HK$265,868/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,262
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$136,376
−HK$4,180/mo
Today · 4.125%
HK$140,556
baseline
▲ 0.50% · 4.625%
HK$149,109
+HK$8,553/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$281,112/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,141
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$151,087
−HK$4,003/mo
Today · 4.125%
HK$155,090
baseline
▲ 0.50% · 4.625%
HK$163,265
+HK$8,175/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$310,180/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,052
−HK$10,663/mo
▼ 0.25% · 3.875%
HK$175,341
−HK$5,374/mo
Today · 4.125%
HK$180,715
baseline
▲ 0.50% · 4.625%
HK$191,711
+HK$10,996/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$361,430/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,181
−HK$10,221/mo
▼ 0.25% · 3.875%
HK$194,254
−HK$5,148/mo
Today · 4.125%
HK$199,402
baseline
▲ 0.50% · 4.625%
HK$209,912
+HK$10,510/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$398,804/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,814 · Scale 2, in force from 26 Feb 2026)