LTV · monthly repayment
▼ 0.50% · 3.625%
HK$94,877
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,828
−HK$2,998/mo
Today · 4.125%
HK$100,826
baseline
▲ 0.50% · 4.625%
HK$106,961
+HK$6,135/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$201,652/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,768,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,549
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$108,380
−HK$2,872/mo
Today · 4.125%
HK$111,252
baseline
▲ 0.50% · 4.625%
HK$117,116
+HK$5,864/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$222,504/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,768,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,852
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$117,393
−HK$3,598/mo
Today · 4.125%
HK$120,991
baseline
▲ 0.50% · 4.625%
HK$128,354
+HK$7,363/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$241,982/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,768,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,659
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$130,056
−HK$3,446/mo
Today · 4.125%
HK$133,502
baseline
▲ 0.50% · 4.625%
HK$140,539
+HK$7,037/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$267,004/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,768,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,827
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$136,959
−HK$4,198/mo
Today · 4.125%
HK$141,157
baseline
▲ 0.50% · 4.625%
HK$149,746
+HK$8,589/mo
Deposit HK$12.48M · loan HK$29.13M · min. income ≈ HK$282,314/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,768,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,769
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$151,732
−HK$4,021/mo
Today · 4.125%
HK$155,753
baseline
▲ 0.50% · 4.625%
HK$163,962
+HK$8,209/mo
Deposit HK$12.48M · loan HK$29.13M · min. income ≈ HK$311,506/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,768,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,778
−HK$10,709/mo
▼ 0.25% · 3.875%
HK$176,090
−HK$5,397/mo
Today · 4.125%
HK$181,487
baseline
▲ 0.50% · 4.625%
HK$192,530
+HK$11,043/mo
Deposit HK$4.16M · loan HK$37.45M · min. income ≈ HK$362,974/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,768,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,989
−HK$10,264/mo
▼ 0.25% · 3.875%
HK$195,084
−HK$5,169/mo
Today · 4.125%
HK$200,253
baseline
▲ 0.50% · 4.625%
HK$210,809
+HK$10,556/mo
Deposit HK$4.16M · loan HK$37.45M · min. income ≈ HK$400,506/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,768,335 · Scale 2, in force from 26 Feb 2026)