LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,707
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$97,653
−HK$2,993/mo
Today · 4.125%
HK$100,646
baseline
▲ 0.50% · 4.625%
HK$106,770
+HK$6,124/mo
Deposit HK$20.77M · loan HK$20.77M · min. income ≈ HK$201,292/mo (50% DSR)
Upfront cash ≈ HK$22.53M (deposit + AVD stamp duty HK$1,765,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,361
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,187
−HK$2,866/mo
Today · 4.125%
HK$111,053
baseline
▲ 0.50% · 4.625%
HK$116,907
+HK$5,854/mo
Deposit HK$20.77M · loan HK$20.77M · min. income ≈ HK$222,106/mo (50% DSR)
Upfront cash ≈ HK$22.53M (deposit + AVD stamp duty HK$1,765,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,649
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$117,184
−HK$3,591/mo
Today · 4.125%
HK$120,775
baseline
▲ 0.50% · 4.625%
HK$128,124
+HK$7,349/mo
Deposit HK$16.61M · loan HK$24.92M · min. income ≈ HK$241,550/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,765,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,433
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$129,824
−HK$3,440/mo
Today · 4.125%
HK$133,264
baseline
▲ 0.50% · 4.625%
HK$140,288
+HK$7,024/mo
Deposit HK$16.61M · loan HK$24.92M · min. income ≈ HK$266,528/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,765,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,590
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$136,714
−HK$4,191/mo
Today · 4.125%
HK$140,905
baseline
▲ 0.50% · 4.625%
HK$149,478
+HK$8,573/mo
Deposit HK$12.46M · loan HK$29.07M · min. income ≈ HK$281,810/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,765,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,505
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,461
−HK$4,013/mo
Today · 4.125%
HK$155,474
baseline
▲ 0.50% · 4.625%
HK$163,670
+HK$8,196/mo
Deposit HK$12.46M · loan HK$29.07M · min. income ≈ HK$310,948/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,765,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,473
−HK$10,690/mo
▼ 0.25% · 3.875%
HK$175,776
−HK$5,387/mo
Today · 4.125%
HK$181,163
baseline
▲ 0.50% · 4.625%
HK$192,186
+HK$11,023/mo
Deposit HK$4.15M · loan HK$37.38M · min. income ≈ HK$362,326/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,765,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,649
−HK$10,247/mo
▼ 0.25% · 3.875%
HK$194,736
−HK$5,160/mo
Today · 4.125%
HK$199,896
baseline
▲ 0.50% · 4.625%
HK$210,432
+HK$10,536/mo
Deposit HK$4.15M · loan HK$37.38M · min. income ≈ HK$399,792/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,765,177 · Scale 2, in force from 26 Feb 2026)