LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,546
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$92,331
−HK$2,830/mo
Today · 4.125%
HK$95,161
baseline
▲ 0.50% · 4.625%
HK$100,952
+HK$5,791/mo
Deposit HK$19.64M · loan HK$19.64M · min. income ≈ HK$190,322/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,619
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,291
−HK$2,710/mo
Today · 4.125%
HK$105,001
baseline
▲ 0.50% · 4.625%
HK$110,536
+HK$5,535/mo
Deposit HK$19.64M · loan HK$19.64M · min. income ≈ HK$210,002/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,455
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$110,798
−HK$3,396/mo
Today · 4.125%
HK$114,194
baseline
▲ 0.50% · 4.625%
HK$121,142
+HK$6,948/mo
Deposit HK$15.71M · loan HK$23.56M · min. income ≈ HK$228,388/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,668,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,543
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$122,749
−HK$3,252/mo
Today · 4.125%
HK$126,001
baseline
▲ 0.50% · 4.625%
HK$132,643
+HK$6,642/mo
Deposit HK$15.71M · loan HK$23.56M · min. income ≈ HK$252,002/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,668,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,364
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$129,264
−HK$3,962/mo
Today · 4.125%
HK$133,226
baseline
▲ 0.50% · 4.625%
HK$141,332
+HK$8,106/mo
Deposit HK$11.78M · loan HK$27.49M · min. income ≈ HK$266,452/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,668,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,467
−HK$7,535/mo
▼ 0.25% · 3.875%
HK$143,207
−HK$3,795/mo
Today · 4.125%
HK$147,002
baseline
▲ 0.50% · 4.625%
HK$154,750
+HK$7,748/mo
Deposit HK$11.78M · loan HK$27.49M · min. income ≈ HK$294,004/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,668,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,183
−HK$10,107/mo
▼ 0.25% · 3.875%
HK$166,196
−HK$5,094/mo
Today · 4.125%
HK$171,290
baseline
▲ 0.50% · 4.625%
HK$181,713
+HK$10,423/mo
Deposit HK$3.93M · loan HK$35.34M · min. income ≈ HK$342,580/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,668,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,314
−HK$9,688/mo
▼ 0.25% · 3.875%
HK$184,123
−HK$4,879/mo
Today · 4.125%
HK$189,002
baseline
▲ 0.50% · 4.625%
HK$198,965
+HK$9,963/mo
Deposit HK$3.93M · loan HK$35.34M · min. income ≈ HK$378,004/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,668,981 · Scale 2, in force from 26 Feb 2026)