LTV · monthly repayment
▼ 0.50% · 3.625%
HK$95,250
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$98,213
−HK$3,010/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$1,775,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,965
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,807
−HK$2,883/mo
Today · 4.125%
HK$111,690
baseline
▲ 0.50% · 4.625%
HK$117,577
+HK$5,887/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,380/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,300
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,855
−HK$3,613/mo
Today · 4.125%
HK$121,468
baseline
▲ 0.50% · 4.625%
HK$128,859
+HK$7,391/mo
Deposit HK$16.71M · loan HK$25.06M · min. income ≈ HK$242,936/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,775,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,158
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$130,568
−HK$3,459/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$1,775,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,350
−HK$8,362/mo
▼ 0.25% · 3.875%
HK$137,498
−HK$4,214/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$1,775,293 · 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$164,608
+HK$8,243/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$1,775,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,450
−HK$10,751/mo
▼ 0.25% · 3.875%
HK$176,783
−HK$5,418/mo
Today · 4.125%
HK$182,201
baseline
▲ 0.50% · 4.625%
HK$193,288
+HK$11,087/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$1,775,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,736
−HK$10,305/mo
▼ 0.25% · 3.875%
HK$195,852
−HK$5,189/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$1,775,293 · Scale 2, in force from 26 Feb 2026)