LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,484
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$97,423
−HK$2,986/mo
Today · 4.125%
HK$100,409
baseline
▲ 0.50% · 4.625%
HK$106,519
+HK$6,110/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$200,818/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,113
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,932
−HK$2,860/mo
Today · 4.125%
HK$110,792
baseline
▲ 0.50% · 4.625%
HK$116,632
+HK$5,840/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$221,584/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,381
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$116,908
−HK$3,583/mo
Today · 4.125%
HK$120,491
baseline
▲ 0.50% · 4.625%
HK$127,823
+HK$7,332/mo
Deposit HK$16.57M · loan HK$24.86M · min. income ≈ HK$240,982/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,136
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,518
−HK$3,432/mo
Today · 4.125%
HK$132,950
baseline
▲ 0.50% · 4.625%
HK$139,958
+HK$7,008/mo
Deposit HK$16.57M · loan HK$24.86M · min. income ≈ HK$265,900/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,278
−HK$8,295/mo
▼ 0.25% · 3.875%
HK$136,393
−HK$4,180/mo
Today · 4.125%
HK$140,573
baseline
▲ 0.50% · 4.625%
HK$149,127
+HK$8,554/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$281,146/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,158
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$151,105
−HK$4,004/mo
Today · 4.125%
HK$155,109
baseline
▲ 0.50% · 4.625%
HK$163,285
+HK$8,176/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$310,218/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,072
−HK$10,665/mo
▼ 0.25% · 3.875%
HK$175,362
−HK$5,375/mo
Today · 4.125%
HK$180,737
baseline
▲ 0.50% · 4.625%
HK$191,734
+HK$10,997/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$361,474/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,761,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,203
−HK$10,222/mo
▼ 0.25% · 3.875%
HK$194,278
−HK$5,147/mo
Today · 4.125%
HK$199,425
baseline
▲ 0.50% · 4.625%
HK$209,937
+HK$10,512/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$398,850/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,761,025 · Scale 2, in force from 26 Feb 2026)