LTV · monthly repayment
▼ 0.50% · 3.625%
HK$95,238
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$98,201
−HK$3,010/mo
Today · 4.125%
HK$101,211
baseline
▲ 0.50% · 4.625%
HK$107,369
+HK$6,158/mo
Deposit HK$20.88M · loan HK$20.88M · min. income ≈ HK$202,422/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,952
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$108,793
−HK$2,883/mo
Today · 4.125%
HK$111,676
baseline
▲ 0.50% · 4.625%
HK$117,563
+HK$5,887/mo
Deposit HK$20.88M · loan HK$20.88M · min. income ≈ HK$223,352/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,286
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$117,841
−HK$3,612/mo
Today · 4.125%
HK$121,453
baseline
▲ 0.50% · 4.625%
HK$128,843
+HK$7,390/mo
Deposit HK$16.71M · loan HK$25.06M · min. income ≈ HK$242,906/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,775,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,142
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$130,552
−HK$3,459/mo
Today · 4.125%
HK$134,011
baseline
▲ 0.50% · 4.625%
HK$141,075
+HK$7,064/mo
Deposit HK$16.71M · loan HK$25.06M · min. income ≈ HK$268,022/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,775,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,334
−HK$8,361/mo
▼ 0.25% · 3.875%
HK$137,481
−HK$4,214/mo
Today · 4.125%
HK$141,695
baseline
▲ 0.50% · 4.625%
HK$150,317
+HK$8,622/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$283,390/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,332
−HK$8,014/mo
▼ 0.25% · 3.875%
HK$152,311
−HK$4,035/mo
Today · 4.125%
HK$156,346
baseline
▲ 0.50% · 4.625%
HK$164,588
+HK$8,242/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$312,692/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,429
−HK$10,750/mo
▼ 0.25% · 3.875%
HK$176,761
−HK$5,418/mo
Today · 4.125%
HK$182,179
baseline
▲ 0.50% · 4.625%
HK$193,264
+HK$11,085/mo
Deposit HK$4.18M · loan HK$37.59M · min. income ≈ HK$364,358/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,713
−HK$10,304/mo
▼ 0.25% · 3.875%
HK$195,828
−HK$5,189/mo
Today · 4.125%
HK$201,017
baseline
▲ 0.50% · 4.625%
HK$211,613
+HK$10,596/mo
Deposit HK$4.18M · loan HK$37.59M · min. income ≈ HK$402,034/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,077 · Scale 2, in force from 26 Feb 2026)