LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,742
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,534
−HK$2,836/mo
Today · 4.125%
HK$95,370
baseline
▲ 0.50% · 4.625%
HK$101,173
+HK$5,803/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,740/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,837
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,515
−HK$2,716/mo
Today · 4.125%
HK$105,231
baseline
▲ 0.50% · 4.625%
HK$110,778
+HK$5,547/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,462/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,691
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,040
−HK$3,404/mo
Today · 4.125%
HK$114,444
baseline
▲ 0.50% · 4.625%
HK$121,407
+HK$6,963/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$228,888/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,672,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,805
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,018
−HK$3,259/mo
Today · 4.125%
HK$126,277
baseline
▲ 0.50% · 4.625%
HK$132,934
+HK$6,657/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$252,554/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,672,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,639
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$129,547
−HK$3,971/mo
Today · 4.125%
HK$133,518
baseline
▲ 0.50% · 4.625%
HK$141,642
+HK$8,124/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$267,036/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,772
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$143,521
−HK$3,803/mo
Today · 4.125%
HK$147,324
baseline
▲ 0.50% · 4.625%
HK$155,089
+HK$7,765/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$294,648/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,536
−HK$10,129/mo
▼ 0.25% · 3.875%
HK$166,560
−HK$5,105/mo
Today · 4.125%
HK$171,665
baseline
▲ 0.50% · 4.625%
HK$182,111
+HK$10,446/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$343,330/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,707
−HK$9,709/mo
▼ 0.25% · 3.875%
HK$184,527
−HK$4,889/mo
Today · 4.125%
HK$189,416
baseline
▲ 0.50% · 4.625%
HK$199,400
+HK$9,984/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$378,832/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,637 · Scale 2, in force from 26 Feb 2026)