LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,511
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$97,451
−HK$2,987/mo
Today · 4.125%
HK$100,438
baseline
▲ 0.50% · 4.625%
HK$106,549
+HK$6,111/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$200,876/mo (50% DSR)
Upfront cash ≈ HK$22.49M (deposit + AVD stamp duty HK$1,761,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,143
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,962
−HK$2,861/mo
Today · 4.125%
HK$110,823
baseline
▲ 0.50% · 4.625%
HK$116,665
+HK$5,842/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$221,646/mo (50% DSR)
Upfront cash ≈ HK$22.49M (deposit + AVD stamp duty HK$1,761,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,413
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$116,941
−HK$3,584/mo
Today · 4.125%
HK$120,525
baseline
▲ 0.50% · 4.625%
HK$127,859
+HK$7,334/mo
Deposit HK$16.58M · loan HK$24.87M · min. income ≈ HK$241,050/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,171
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$129,555
−HK$3,433/mo
Today · 4.125%
HK$132,988
baseline
▲ 0.50% · 4.625%
HK$139,998
+HK$7,010/mo
Deposit HK$16.58M · loan HK$24.87M · min. income ≈ HK$265,976/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,315
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$136,431
−HK$4,182/mo
Today · 4.125%
HK$140,613
baseline
▲ 0.50% · 4.625%
HK$149,169
+HK$8,556/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$281,226/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,761,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,200
−HK$7,952/mo
▼ 0.25% · 3.875%
HK$151,147
−HK$4,005/mo
Today · 4.125%
HK$155,152
baseline
▲ 0.50% · 4.625%
HK$163,331
+HK$8,179/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$310,304/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,761,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,120
−HK$10,668/mo
▼ 0.25% · 3.875%
HK$175,412
−HK$5,376/mo
Today · 4.125%
HK$180,788
baseline
▲ 0.50% · 4.625%
HK$191,788
+HK$11,000/mo
Deposit HK$4.14M · loan HK$37.30M · min. income ≈ HK$361,576/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,257
−HK$10,225/mo
▼ 0.25% · 3.875%
HK$194,332
−HK$5,150/mo
Today · 4.125%
HK$199,482
baseline
▲ 0.50% · 4.625%
HK$209,997
+HK$10,515/mo
Deposit HK$4.14M · loan HK$37.30M · min. income ≈ HK$398,964/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,521 · Scale 2, in force from 26 Feb 2026)