LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,696
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,641
−HK$2,993/mo
Today · 4.125%
HK$100,634
baseline
▲ 0.50% · 4.625%
HK$106,757
+HK$6,123/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$201,268/mo (50% DSR)
Upfront cash ≈ HK$22.53M (deposit + AVD stamp duty HK$1,764,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,348
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,173
−HK$2,867/mo
Today · 4.125%
HK$111,040
baseline
▲ 0.50% · 4.625%
HK$116,893
+HK$5,853/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$222,080/mo (50% DSR)
Upfront cash ≈ HK$22.53M (deposit + AVD stamp duty HK$1,764,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,635
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$117,170
−HK$3,591/mo
Today · 4.125%
HK$120,761
baseline
▲ 0.50% · 4.625%
HK$128,109
+HK$7,348/mo
Deposit HK$16.61M · loan HK$24.92M · min. income ≈ HK$241,522/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,764,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,418
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$129,808
−HK$3,440/mo
Today · 4.125%
HK$133,248
baseline
▲ 0.50% · 4.625%
HK$140,271
+HK$7,023/mo
Deposit HK$16.61M · loan HK$24.92M · min. income ≈ HK$266,496/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,764,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,574
−HK$8,314/mo
▼ 0.25% · 3.875%
HK$136,698
−HK$4,190/mo
Today · 4.125%
HK$140,888
baseline
▲ 0.50% · 4.625%
HK$149,460
+HK$8,572/mo
Deposit HK$12.46M · loan HK$29.07M · min. income ≈ HK$281,776/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,487
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,443
−HK$4,013/mo
Today · 4.125%
HK$155,456
baseline
▲ 0.50% · 4.625%
HK$163,650
+HK$8,194/mo
Deposit HK$12.46M · loan HK$29.07M · min. income ≈ HK$310,912/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,452
−HK$10,689/mo
▼ 0.25% · 3.875%
HK$175,754
−HK$5,387/mo
Today · 4.125%
HK$181,141
baseline
▲ 0.50% · 4.625%
HK$192,163
+HK$11,022/mo
Deposit HK$4.15M · loan HK$37.38M · min. income ≈ HK$362,282/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,627
−HK$10,245/mo
▼ 0.25% · 3.875%
HK$194,712
−HK$5,160/mo
Today · 4.125%
HK$199,872
baseline
▲ 0.50% · 4.625%
HK$210,407
+HK$10,535/mo
Deposit HK$4.15M · loan HK$37.38M · min. income ≈ HK$399,744/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,965 · Scale 2, in force from 26 Feb 2026)