LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,653
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,597
−HK$2,992/mo
Today · 4.125%
HK$100,589
baseline
▲ 0.50% · 4.625%
HK$106,709
+HK$6,120/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$201,178/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,301
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,125
−HK$2,865/mo
Today · 4.125%
HK$110,990
baseline
▲ 0.50% · 4.625%
HK$116,840
+HK$5,850/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$221,980/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,584
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$117,117
−HK$3,589/mo
Today · 4.125%
HK$120,706
baseline
▲ 0.50% · 4.625%
HK$128,051
+HK$7,345/mo
Deposit HK$16.60M · loan HK$24.91M · min. income ≈ HK$241,412/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,361
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$129,750
−HK$3,437/mo
Today · 4.125%
HK$133,187
baseline
▲ 0.50% · 4.625%
HK$140,208
+HK$7,021/mo
Deposit HK$16.60M · loan HK$24.91M · min. income ≈ HK$266,374/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,514
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,636
−HK$4,188/mo
Today · 4.125%
HK$140,824
baseline
▲ 0.50% · 4.625%
HK$149,393
+HK$8,569/mo
Deposit HK$12.45M · loan HK$29.06M · min. income ≈ HK$281,648/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,421
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$151,374
−HK$4,011/mo
Today · 4.125%
HK$155,385
baseline
▲ 0.50% · 4.625%
HK$163,576
+HK$8,191/mo
Deposit HK$12.45M · loan HK$29.06M · min. income ≈ HK$310,770/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,375
−HK$10,684/mo
▼ 0.25% · 3.875%
HK$175,675
−HK$5,384/mo
Today · 4.125%
HK$181,059
baseline
▲ 0.50% · 4.625%
HK$192,076
+HK$11,017/mo
Deposit HK$4.15M · loan HK$37.36M · min. income ≈ HK$362,118/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,541
−HK$10,240/mo
▼ 0.25% · 3.875%
HK$194,624
−HK$5,157/mo
Today · 4.125%
HK$199,781
baseline
▲ 0.50% · 4.625%
HK$210,312
+HK$10,531/mo
Deposit HK$4.15M · loan HK$37.36M · min. income ≈ HK$399,562/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,167 · Scale 2, in force from 26 Feb 2026)