LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,745
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,537
−HK$2,836/mo
Today · 4.125%
HK$95,373
baseline
▲ 0.50% · 4.625%
HK$101,176
+HK$5,803/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,746/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,841
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,518
−HK$2,717/mo
Today · 4.125%
HK$105,235
baseline
▲ 0.50% · 4.625%
HK$110,782
+HK$5,547/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,470/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,694
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$111,044
−HK$3,404/mo
Today · 4.125%
HK$114,448
baseline
▲ 0.50% · 4.625%
HK$121,412
+HK$6,964/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$228,896/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,672,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,809
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,022
−HK$3,260/mo
Today · 4.125%
HK$126,282
baseline
▲ 0.50% · 4.625%
HK$132,938
+HK$6,656/mo
Deposit HK$15.74M · loan HK$23.61M · min. income ≈ HK$252,564/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,672,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,643
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$129,552
−HK$3,970/mo
Today · 4.125%
HK$133,522
baseline
▲ 0.50% · 4.625%
HK$141,647
+HK$8,125/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$267,044/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,777
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$143,526
−HK$3,803/mo
Today · 4.125%
HK$147,329
baseline
▲ 0.50% · 4.625%
HK$155,095
+HK$7,766/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$294,658/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,542
−HK$10,130/mo
▼ 0.25% · 3.875%
HK$166,566
−HK$5,106/mo
Today · 4.125%
HK$171,672
baseline
▲ 0.50% · 4.625%
HK$182,117
+HK$10,445/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$343,344/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,713
−HK$9,710/mo
▼ 0.25% · 3.875%
HK$184,533
−HK$4,890/mo
Today · 4.125%
HK$189,423
baseline
▲ 0.50% · 4.625%
HK$199,407
+HK$9,984/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$378,846/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,697 · Scale 2, in force from 26 Feb 2026)