LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,662
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,606
−HK$2,992/mo
Today · 4.125%
HK$100,598
baseline
▲ 0.50% · 4.625%
HK$106,719
+HK$6,121/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$201,196/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,310
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$108,134
−HK$2,866/mo
Today · 4.125%
HK$111,000
baseline
▲ 0.50% · 4.625%
HK$116,851
+HK$5,851/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$222,000/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,594
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$117,127
−HK$3,590/mo
Today · 4.125%
HK$120,717
baseline
▲ 0.50% · 4.625%
HK$128,063
+HK$7,346/mo
Deposit HK$16.61M · loan HK$24.91M · min. income ≈ HK$241,434/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,372
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$129,761
−HK$3,439/mo
Today · 4.125%
HK$133,200
baseline
▲ 0.50% · 4.625%
HK$140,221
+HK$7,021/mo
Deposit HK$16.61M · loan HK$24.91M · min. income ≈ HK$266,400/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,526
−HK$8,311/mo
▼ 0.25% · 3.875%
HK$136,649
−HK$4,188/mo
Today · 4.125%
HK$140,837
baseline
▲ 0.50% · 4.625%
HK$149,406
+HK$8,569/mo
Deposit HK$12.45M · loan HK$29.06M · min. income ≈ HK$281,674/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,434
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$151,388
−HK$4,011/mo
Today · 4.125%
HK$155,399
baseline
▲ 0.50% · 4.625%
HK$163,591
+HK$8,192/mo
Deposit HK$12.45M · loan HK$29.06M · min. income ≈ HK$310,798/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,391
−HK$10,685/mo
▼ 0.25% · 3.875%
HK$175,691
−HK$5,385/mo
Today · 4.125%
HK$181,076
baseline
▲ 0.50% · 4.625%
HK$192,094
+HK$11,018/mo
Deposit HK$4.15M · loan HK$37.36M · min. income ≈ HK$362,152/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,558
−HK$10,241/mo
▼ 0.25% · 3.875%
HK$194,642
−HK$5,157/mo
Today · 4.125%
HK$199,799
baseline
▲ 0.50% · 4.625%
HK$210,331
+HK$10,532/mo
Deposit HK$4.15M · loan HK$37.36M · min. income ≈ HK$399,598/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,327 · Scale 2, in force from 26 Feb 2026)