LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,731
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,522
−HK$2,836/mo
Today · 4.125%
HK$95,358
baseline
▲ 0.50% · 4.625%
HK$101,160
+HK$5,802/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,716/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,824
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,502
−HK$2,716/mo
Today · 4.125%
HK$105,218
baseline
▲ 0.50% · 4.625%
HK$110,764
+HK$5,546/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,436/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,677
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,026
−HK$3,403/mo
Today · 4.125%
HK$114,429
baseline
▲ 0.50% · 4.625%
HK$121,392
+HK$6,963/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$228,858/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,789
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,002
−HK$3,259/mo
Today · 4.125%
HK$126,261
baseline
▲ 0.50% · 4.625%
HK$132,917
+HK$6,656/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$252,522/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,623
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$129,530
−HK$3,971/mo
Today · 4.125%
HK$133,501
baseline
▲ 0.50% · 4.625%
HK$141,624
+HK$8,123/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$267,002/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,754
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$143,502
−HK$3,803/mo
Today · 4.125%
HK$147,305
baseline
▲ 0.50% · 4.625%
HK$155,069
+HK$7,764/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$294,610/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,515
−HK$10,129/mo
▼ 0.25% · 3.875%
HK$166,539
−HK$5,105/mo
Today · 4.125%
HK$171,644
baseline
▲ 0.50% · 4.625%
HK$182,088
+HK$10,444/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$343,288/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,684
−HK$9,708/mo
▼ 0.25% · 3.875%
HK$184,503
−HK$4,889/mo
Today · 4.125%
HK$189,392
baseline
▲ 0.50% · 4.625%
HK$199,375
+HK$9,983/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$378,784/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,423 · Scale 2, in force from 26 Feb 2026)