LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,736
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,527
−HK$2,836/mo
Today · 4.125%
HK$95,363
baseline
▲ 0.50% · 4.625%
HK$101,166
+HK$5,803/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,726/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,830
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,508
−HK$2,716/mo
Today · 4.125%
HK$105,224
baseline
▲ 0.50% · 4.625%
HK$110,770
+HK$5,546/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,448/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,683
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,033
−HK$3,403/mo
Today · 4.125%
HK$114,436
baseline
▲ 0.50% · 4.625%
HK$121,399
+HK$6,963/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$228,872/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,796
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,009
−HK$3,260/mo
Today · 4.125%
HK$126,269
baseline
▲ 0.50% · 4.625%
HK$132,925
+HK$6,656/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$252,538/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,672,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,630
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$129,538
−HK$3,971/mo
Today · 4.125%
HK$133,509
baseline
▲ 0.50% · 4.625%
HK$141,632
+HK$8,123/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$267,018/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,763
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$143,511
−HK$3,802/mo
Today · 4.125%
HK$147,313
baseline
▲ 0.50% · 4.625%
HK$155,079
+HK$7,766/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$294,626/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,525
−HK$10,129/mo
▼ 0.25% · 3.875%
HK$166,549
−HK$5,105/mo
Today · 4.125%
HK$171,654
baseline
▲ 0.50% · 4.625%
HK$182,099
+HK$10,445/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$343,308/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,695
−HK$9,708/mo
▼ 0.25% · 3.875%
HK$184,514
−HK$4,889/mo
Today · 4.125%
HK$189,403
baseline
▲ 0.50% · 4.625%
HK$199,387
+HK$9,984/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$378,806/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,523 · Scale 2, in force from 26 Feb 2026)