LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,636
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,580
−HK$2,991/mo
Today · 4.125%
HK$100,571
baseline
▲ 0.50% · 4.625%
HK$106,690
+HK$6,119/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$201,142/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,763,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,282
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$108,105
−HK$2,865/mo
Today · 4.125%
HK$110,970
baseline
▲ 0.50% · 4.625%
HK$116,819
+HK$5,849/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$221,940/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,763,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,563
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$117,096
−HK$3,589/mo
Today · 4.125%
HK$120,685
baseline
▲ 0.50% · 4.625%
HK$128,028
+HK$7,343/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$241,370/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,338
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$129,726
−HK$3,438/mo
Today · 4.125%
HK$133,164
baseline
▲ 0.50% · 4.625%
HK$140,183
+HK$7,019/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$266,328/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,490
−HK$8,309/mo
▼ 0.25% · 3.875%
HK$136,612
−HK$4,187/mo
Today · 4.125%
HK$140,799
baseline
▲ 0.50% · 4.625%
HK$149,366
+HK$8,567/mo
Deposit HK$12.45M · loan HK$29.05M · min. income ≈ HK$281,598/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,394
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$151,347
−HK$4,011/mo
Today · 4.125%
HK$155,358
baseline
▲ 0.50% · 4.625%
HK$163,547
+HK$8,189/mo
Deposit HK$12.45M · loan HK$29.05M · min. income ≈ HK$310,716/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,345
−HK$10,682/mo
▼ 0.25% · 3.875%
HK$175,644
−HK$5,383/mo
Today · 4.125%
HK$181,027
baseline
▲ 0.50% · 4.625%
HK$192,042
+HK$11,015/mo
Deposit HK$4.15M · loan HK$37.35M · min. income ≈ HK$362,054/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,507
−HK$10,238/mo
▼ 0.25% · 3.875%
HK$194,589
−HK$5,156/mo
Today · 4.125%
HK$199,745
baseline
▲ 0.50% · 4.625%
HK$210,274
+HK$10,529/mo
Deposit HK$4.15M · loan HK$37.35M · min. income ≈ HK$399,490/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,851 · Scale 2, in force from 26 Feb 2026)