LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,499
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,439
−HK$2,986/mo
Today · 4.125%
HK$100,425
baseline
▲ 0.50% · 4.625%
HK$106,536
+HK$6,111/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$200,850/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,130
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,949
−HK$2,861/mo
Today · 4.125%
HK$110,810
baseline
▲ 0.50% · 4.625%
HK$116,650
+HK$5,840/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$221,620/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,399
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$116,927
−HK$3,583/mo
Today · 4.125%
HK$120,510
baseline
▲ 0.50% · 4.625%
HK$127,843
+HK$7,333/mo
Deposit HK$16.58M · loan HK$24.87M · min. income ≈ HK$241,020/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,156
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$129,539
−HK$3,432/mo
Today · 4.125%
HK$132,971
baseline
▲ 0.50% · 4.625%
HK$139,981
+HK$7,010/mo
Deposit HK$16.58M · loan HK$24.87M · min. income ≈ HK$265,942/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,299
−HK$8,297/mo
▼ 0.25% · 3.875%
HK$136,415
−HK$4,181/mo
Today · 4.125%
HK$140,596
baseline
▲ 0.50% · 4.625%
HK$149,150
+HK$8,554/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$281,192/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,182
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$151,129
−HK$4,004/mo
Today · 4.125%
HK$155,133
baseline
▲ 0.50% · 4.625%
HK$163,311
+HK$8,178/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$310,266/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,099
−HK$10,667/mo
▼ 0.25% · 3.875%
HK$175,390
−HK$5,376/mo
Today · 4.125%
HK$180,766
baseline
▲ 0.50% · 4.625%
HK$191,765
+HK$10,999/mo
Deposit HK$4.14M · loan HK$37.30M · min. income ≈ HK$361,532/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,233
−HK$10,224/mo
▼ 0.25% · 3.875%
HK$194,309
−HK$5,148/mo
Today · 4.125%
HK$199,457
baseline
▲ 0.50% · 4.625%
HK$209,971
+HK$10,514/mo
Deposit HK$4.14M · loan HK$37.30M · min. income ≈ HK$398,914/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,305 · Scale 2, in force from 26 Feb 2026)