LTV · monthly repayment
▼ 0.50% · 3.625%
HK$95,250
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$98,212
−HK$3,011/mo
Today · 4.125%
HK$101,223
baseline
▲ 0.50% · 4.625%
HK$107,382
+HK$6,159/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,446/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,964
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,806
−HK$2,883/mo
Today · 4.125%
HK$111,689
baseline
▲ 0.50% · 4.625%
HK$117,577
+HK$5,888/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,378/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,300
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$117,855
−HK$3,612/mo
Today · 4.125%
HK$121,467
baseline
▲ 0.50% · 4.625%
HK$128,858
+HK$7,391/mo
Deposit HK$16.71M · loan HK$25.06M · min. income ≈ HK$242,934/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,775,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,157
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$130,567
−HK$3,460/mo
Today · 4.125%
HK$134,027
baseline
▲ 0.50% · 4.625%
HK$141,092
+HK$7,065/mo
Deposit HK$16.71M · loan HK$25.06M · min. income ≈ HK$268,054/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,775,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,350
−HK$8,362/mo
▼ 0.25% · 3.875%
HK$137,497
−HK$4,215/mo
Today · 4.125%
HK$141,712
baseline
▲ 0.50% · 4.625%
HK$150,335
+HK$8,623/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$283,424/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,350
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$152,329
−HK$4,036/mo
Today · 4.125%
HK$156,365
baseline
▲ 0.50% · 4.625%
HK$164,607
+HK$8,242/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$312,730/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,449
−HK$10,752/mo
▼ 0.25% · 3.875%
HK$176,782
−HK$5,419/mo
Today · 4.125%
HK$182,201
baseline
▲ 0.50% · 4.625%
HK$193,287
+HK$11,086/mo
Deposit HK$4.18M · loan HK$37.59M · min. income ≈ HK$364,402/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,736
−HK$10,305/mo
▼ 0.25% · 3.875%
HK$195,851
−HK$5,190/mo
Today · 4.125%
HK$201,041
baseline
▲ 0.50% · 4.625%
HK$211,638
+HK$10,597/mo
Deposit HK$4.18M · loan HK$37.59M · min. income ≈ HK$402,082/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,288 · Scale 2, in force from 26 Feb 2026)