LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,775
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$97,723
−HK$2,995/mo
Today · 4.125%
HK$100,718
baseline
▲ 0.50% · 4.625%
HK$106,846
+HK$6,128/mo
Deposit HK$20.78M · loan HK$20.78M · min. income ≈ HK$201,436/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$1,766,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,436
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$108,264
−HK$2,868/mo
Today · 4.125%
HK$111,132
baseline
▲ 0.50% · 4.625%
HK$116,990
+HK$5,858/mo
Deposit HK$20.78M · loan HK$20.78M · min. income ≈ HK$222,264/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$1,766,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,730
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$117,267
−HK$3,594/mo
Today · 4.125%
HK$120,861
baseline
▲ 0.50% · 4.625%
HK$128,216
+HK$7,355/mo
Deposit HK$16.63M · loan HK$24.94M · min. income ≈ HK$241,722/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,766,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,523
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$129,916
−HK$3,443/mo
Today · 4.125%
HK$133,359
baseline
▲ 0.50% · 4.625%
HK$140,388
+HK$7,029/mo
Deposit HK$16.63M · loan HK$24.94M · min. income ≈ HK$266,718/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,766,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,684
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$136,812
−HK$4,193/mo
Today · 4.125%
HK$141,005
baseline
▲ 0.50% · 4.625%
HK$149,585
+HK$8,580/mo
Deposit HK$12.47M · loan HK$29.09M · min. income ≈ HK$282,010/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,766,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,610
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$151,569
−HK$4,016/mo
Today · 4.125%
HK$155,585
baseline
▲ 0.50% · 4.625%
HK$163,786
+HK$8,201/mo
Deposit HK$12.47M · loan HK$29.09M · min. income ≈ HK$311,170/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,766,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,594
−HK$10,698/mo
▼ 0.25% · 3.875%
HK$175,901
−HK$5,391/mo
Today · 4.125%
HK$181,292
baseline
▲ 0.50% · 4.625%
HK$192,323
+HK$11,031/mo
Deposit HK$4.16M · loan HK$37.41M · min. income ≈ HK$362,584/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,766,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,784
−HK$10,254/mo
▼ 0.25% · 3.875%
HK$194,874
−HK$5,164/mo
Today · 4.125%
HK$200,038
baseline
▲ 0.50% · 4.625%
HK$210,582
+HK$10,544/mo
Deposit HK$4.16M · loan HK$37.41M · min. income ≈ HK$400,076/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,766,434 · Scale 2, in force from 26 Feb 2026)