LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,606
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,393
−HK$2,832/mo
Today · 4.125%
HK$95,225
baseline
▲ 0.50% · 4.625%
HK$101,019
+HK$5,794/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$190,450/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,685
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,359
−HK$2,712/mo
Today · 4.125%
HK$105,071
baseline
▲ 0.50% · 4.625%
HK$110,609
+HK$5,538/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$210,142/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,527
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$110,871
−HK$3,399/mo
Today · 4.125%
HK$114,270
baseline
▲ 0.50% · 4.625%
HK$121,223
+HK$6,953/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$228,540/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,622
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,831
−HK$3,254/mo
Today · 4.125%
HK$126,085
baseline
▲ 0.50% · 4.625%
HK$132,731
+HK$6,646/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$252,170/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,448
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$129,350
−HK$3,964/mo
Today · 4.125%
HK$133,314
baseline
▲ 0.50% · 4.625%
HK$141,426
+HK$8,112/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$266,628/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,559
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$143,302
−HK$3,797/mo
Today · 4.125%
HK$147,099
baseline
▲ 0.50% · 4.625%
HK$154,853
+HK$7,754/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$294,198/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,290
−HK$10,114/mo
▼ 0.25% · 3.875%
HK$166,307
−HK$5,097/mo
Today · 4.125%
HK$171,404
baseline
▲ 0.50% · 4.625%
HK$181,834
+HK$10,430/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$342,808/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,434
−HK$9,694/mo
▼ 0.25% · 3.875%
HK$184,246
−HK$4,882/mo
Today · 4.125%
HK$189,128
baseline
▲ 0.50% · 4.625%
HK$199,097
+HK$9,969/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$378,256/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,092 · Scale 2, in force from 26 Feb 2026)