LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,627
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,415
−HK$2,832/mo
Today · 4.125%
HK$95,247
baseline
▲ 0.50% · 4.625%
HK$101,043
+HK$5,796/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$190,494/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,709
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,383
−HK$2,713/mo
Today · 4.125%
HK$105,096
baseline
▲ 0.50% · 4.625%
HK$110,635
+HK$5,539/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$210,192/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,552
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,897
−HK$3,399/mo
Today · 4.125%
HK$114,296
baseline
▲ 0.50% · 4.625%
HK$121,251
+HK$6,955/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$228,592/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,651
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$122,859
−HK$3,256/mo
Today · 4.125%
HK$126,115
baseline
▲ 0.50% · 4.625%
HK$132,763
+HK$6,648/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$252,230/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,477
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,380
−HK$3,966/mo
Today · 4.125%
HK$133,346
baseline
▲ 0.50% · 4.625%
HK$141,460
+HK$8,114/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$266,692/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,592
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$143,336
−HK$3,798/mo
Today · 4.125%
HK$147,134
baseline
▲ 0.50% · 4.625%
HK$154,890
+HK$7,756/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$294,268/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,328
−HK$10,117/mo
▼ 0.25% · 3.875%
HK$166,346
−HK$5,099/mo
Today · 4.125%
HK$171,445
baseline
▲ 0.50% · 4.625%
HK$181,877
+HK$10,432/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$342,890/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,476
−HK$9,696/mo
▼ 0.25% · 3.875%
HK$184,289
−HK$4,883/mo
Today · 4.125%
HK$189,172
baseline
▲ 0.50% · 4.625%
HK$199,144
+HK$9,972/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$378,344/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,485 · Scale 2, in force from 26 Feb 2026)