LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,675
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,465
−HK$2,834/mo
Today · 4.125%
HK$95,299
baseline
▲ 0.50% · 4.625%
HK$101,098
+HK$5,799/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$190,598/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,671,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,763
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$102,439
−HK$2,714/mo
Today · 4.125%
HK$105,153
baseline
▲ 0.50% · 4.625%
HK$110,696
+HK$5,543/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$210,306/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,671,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,611
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,958
−HK$3,401/mo
Today · 4.125%
HK$114,359
baseline
▲ 0.50% · 4.625%
HK$121,317
+HK$6,958/mo
Deposit HK$15.73M · loan HK$23.60M · min. income ≈ HK$228,718/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,671,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,716
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,926
−HK$3,258/mo
Today · 4.125%
HK$126,184
baseline
▲ 0.50% · 4.625%
HK$132,835
+HK$6,651/mo
Deposit HK$15.73M · loan HK$23.60M · min. income ≈ HK$252,368/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,671,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,546
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$129,451
−HK$3,967/mo
Today · 4.125%
HK$133,418
baseline
▲ 0.50% · 4.625%
HK$141,537
+HK$8,119/mo
Deposit HK$11.80M · loan HK$27.53M · min. income ≈ HK$266,836/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,668
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$143,414
−HK$3,800/mo
Today · 4.125%
HK$147,214
baseline
▲ 0.50% · 4.625%
HK$154,974
+HK$7,760/mo
Deposit HK$11.80M · loan HK$27.53M · min. income ≈ HK$294,428/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,416
−HK$10,122/mo
▼ 0.25% · 3.875%
HK$166,437
−HK$5,101/mo
Today · 4.125%
HK$171,538
baseline
▲ 0.50% · 4.625%
HK$181,976
+HK$10,438/mo
Deposit HK$3.93M · loan HK$35.39M · min. income ≈ HK$343,076/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,671,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,573
−HK$9,702/mo
▼ 0.25% · 3.875%
HK$184,390
−HK$4,885/mo
Today · 4.125%
HK$189,275
baseline
▲ 0.50% · 4.625%
HK$199,252
+HK$9,977/mo
Deposit HK$3.93M · loan HK$35.39M · min. income ≈ HK$378,550/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,671,394 · Scale 2, in force from 26 Feb 2026)