LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,698
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,488
−HK$2,835/mo
Today · 4.125%
HK$95,323
baseline
▲ 0.50% · 4.625%
HK$101,123
+HK$5,800/mo
Deposit HK$19.67M · loan HK$19.67M · min. income ≈ HK$190,646/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,671,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,788
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,464
−HK$2,715/mo
Today · 4.125%
HK$105,179
baseline
▲ 0.50% · 4.625%
HK$110,723
+HK$5,544/mo
Deposit HK$19.67M · loan HK$19.67M · min. income ≈ HK$210,358/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$1,671,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,637
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$110,985
−HK$3,402/mo
Today · 4.125%
HK$114,387
baseline
▲ 0.50% · 4.625%
HK$121,347
+HK$6,960/mo
Deposit HK$15.73M · loan HK$23.60M · min. income ≈ HK$228,774/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,671,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,745
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$122,957
−HK$3,258/mo
Today · 4.125%
HK$126,215
baseline
▲ 0.50% · 4.625%
HK$132,868
+HK$6,653/mo
Deposit HK$15.73M · loan HK$23.60M · min. income ≈ HK$252,430/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,671,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,577
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$129,483
−HK$3,969/mo
Today · 4.125%
HK$133,452
baseline
▲ 0.50% · 4.625%
HK$141,572
+HK$8,120/mo
Deposit HK$11.80M · loan HK$27.54M · min. income ≈ HK$266,904/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,703
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$143,450
−HK$3,801/mo
Today · 4.125%
HK$147,251
baseline
▲ 0.50% · 4.625%
HK$155,012
+HK$7,761/mo
Deposit HK$11.80M · loan HK$27.54M · min. income ≈ HK$294,502/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,456
−HK$10,125/mo
▼ 0.25% · 3.875%
HK$166,478
−HK$5,103/mo
Today · 4.125%
HK$171,581
baseline
▲ 0.50% · 4.625%
HK$182,021
+HK$10,440/mo
Deposit HK$3.93M · loan HK$35.40M · min. income ≈ HK$343,162/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,671,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,618
−HK$9,704/mo
▼ 0.25% · 3.875%
HK$184,435
−HK$4,887/mo
Today · 4.125%
HK$189,322
baseline
▲ 0.50% · 4.625%
HK$199,302
+HK$9,980/mo
Deposit HK$3.93M · loan HK$35.40M · min. income ≈ HK$378,644/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,671,809 · Scale 2, in force from 26 Feb 2026)