LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,610
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,397
−HK$2,832/mo
Today · 4.125%
HK$95,229
baseline
▲ 0.50% · 4.625%
HK$101,024
+HK$5,795/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$190,458/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,690
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,364
−HK$2,712/mo
Today · 4.125%
HK$105,076
baseline
▲ 0.50% · 4.625%
HK$110,615
+HK$5,539/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$210,152/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,532
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$110,877
−HK$3,398/mo
Today · 4.125%
HK$114,275
baseline
▲ 0.50% · 4.625%
HK$121,229
+HK$6,954/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$228,550/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,628
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$122,837
−HK$3,255/mo
Today · 4.125%
HK$126,092
baseline
▲ 0.50% · 4.625%
HK$132,738
+HK$6,646/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$252,184/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,454
−HK$7,867/mo
▼ 0.25% · 3.875%
HK$129,356
−HK$3,965/mo
Today · 4.125%
HK$133,321
baseline
▲ 0.50% · 4.625%
HK$141,433
+HK$8,112/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$266,642/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,566
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$143,310
−HK$3,797/mo
Today · 4.125%
HK$147,107
baseline
▲ 0.50% · 4.625%
HK$154,861
+HK$7,754/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$294,214/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,298
−HK$10,115/mo
▼ 0.25% · 3.875%
HK$166,315
−HK$5,098/mo
Today · 4.125%
HK$171,413
baseline
▲ 0.50% · 4.625%
HK$181,843
+HK$10,430/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$342,826/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,443
−HK$9,694/mo
▼ 0.25% · 3.875%
HK$184,255
−HK$4,882/mo
Today · 4.125%
HK$189,137
baseline
▲ 0.50% · 4.625%
HK$199,107
+HK$9,970/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$378,274/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,176 · Scale 2, in force from 26 Feb 2026)