LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,694
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,484
−HK$2,834/mo
Today · 4.125%
HK$95,318
baseline
▲ 0.50% · 4.625%
HK$101,118
+HK$5,800/mo
Deposit HK$19.67M · loan HK$19.67M · min. income ≈ HK$190,636/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,671,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,783
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,460
−HK$2,714/mo
Today · 4.125%
HK$105,174
baseline
▲ 0.50% · 4.625%
HK$110,718
+HK$5,544/mo
Deposit HK$19.67M · loan HK$19.67M · min. income ≈ HK$210,348/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,671,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,633
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$110,981
−HK$3,401/mo
Today · 4.125%
HK$114,382
baseline
▲ 0.50% · 4.625%
HK$121,342
+HK$6,960/mo
Deposit HK$15.73M · loan HK$23.60M · min. income ≈ HK$228,764/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,671,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,740
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,952
−HK$3,257/mo
Today · 4.125%
HK$126,209
baseline
▲ 0.50% · 4.625%
HK$132,862
+HK$6,653/mo
Deposit HK$15.73M · loan HK$23.60M · min. income ≈ HK$252,418/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,671,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,571
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$129,477
−HK$3,969/mo
Today · 4.125%
HK$133,446
baseline
▲ 0.50% · 4.625%
HK$141,566
+HK$8,120/mo
Deposit HK$11.80M · loan HK$27.53M · min. income ≈ HK$266,892/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,697
−HK$7,547/mo
▼ 0.25% · 3.875%
HK$143,443
−HK$3,801/mo
Today · 4.125%
HK$147,244
baseline
▲ 0.50% · 4.625%
HK$155,006
+HK$7,762/mo
Deposit HK$11.80M · loan HK$27.53M · min. income ≈ HK$294,488/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,449
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$166,471
−HK$5,102/mo
Today · 4.125%
HK$171,573
baseline
▲ 0.50% · 4.625%
HK$182,013
+HK$10,440/mo
Deposit HK$3.93M · loan HK$35.40M · min. income ≈ HK$343,146/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,671,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,610
−HK$9,704/mo
▼ 0.25% · 3.875%
HK$184,427
−HK$4,887/mo
Today · 4.125%
HK$189,314
baseline
▲ 0.50% · 4.625%
HK$199,293
+HK$9,979/mo
Deposit HK$3.93M · loan HK$35.40M · min. income ≈ HK$378,628/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,671,737 · Scale 2, in force from 26 Feb 2026)