LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,682
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,471
−HK$2,835/mo
Today · 4.125%
HK$95,306
baseline
▲ 0.50% · 4.625%
HK$101,105
+HK$5,799/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$190,612/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,671,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,770
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$102,446
−HK$2,714/mo
Today · 4.125%
HK$105,160
baseline
▲ 0.50% · 4.625%
HK$110,704
+HK$5,544/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$210,320/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,671,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,618
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$110,966
−HK$3,401/mo
Today · 4.125%
HK$114,367
baseline
▲ 0.50% · 4.625%
HK$121,326
+HK$6,959/mo
Deposit HK$15.73M · loan HK$23.60M · min. income ≈ HK$228,734/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,671,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,724
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,935
−HK$3,257/mo
Today · 4.125%
HK$126,192
baseline
▲ 0.50% · 4.625%
HK$132,844
+HK$6,652/mo
Deposit HK$15.73M · loan HK$23.60M · min. income ≈ HK$252,384/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,671,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,555
−HK$7,873/mo
▼ 0.25% · 3.875%
HK$129,460
−HK$3,968/mo
Today · 4.125%
HK$133,428
baseline
▲ 0.50% · 4.625%
HK$141,547
+HK$8,119/mo
Deposit HK$11.80M · loan HK$27.53M · min. income ≈ HK$266,856/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,678
−HK$7,547/mo
▼ 0.25% · 3.875%
HK$143,424
−HK$3,801/mo
Today · 4.125%
HK$147,225
baseline
▲ 0.50% · 4.625%
HK$154,985
+HK$7,760/mo
Deposit HK$11.80M · loan HK$27.53M · min. income ≈ HK$294,450/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,427
−HK$10,123/mo
▼ 0.25% · 3.875%
HK$166,449
−HK$5,101/mo
Today · 4.125%
HK$171,550
baseline
▲ 0.50% · 4.625%
HK$181,989
+HK$10,439/mo
Deposit HK$3.93M · loan HK$35.40M · min. income ≈ HK$343,100/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,671,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,586
−HK$9,703/mo
▼ 0.25% · 3.875%
HK$184,403
−HK$4,886/mo
Today · 4.125%
HK$189,289
baseline
▲ 0.50% · 4.625%
HK$199,266
+HK$9,977/mo
Deposit HK$3.93M · loan HK$35.40M · min. income ≈ HK$378,578/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,671,513 · Scale 2, in force from 26 Feb 2026)