LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,751
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,543
−HK$2,836/mo
Today · 4.125%
HK$95,379
baseline
▲ 0.50% · 4.625%
HK$101,183
+HK$5,804/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,758/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,847
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$102,525
−HK$2,717/mo
Today · 4.125%
HK$105,242
baseline
▲ 0.50% · 4.625%
HK$110,789
+HK$5,547/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,484/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$1,672,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,702
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,052
−HK$3,403/mo
Today · 4.125%
HK$114,455
baseline
▲ 0.50% · 4.625%
HK$121,420
+HK$6,965/mo
Deposit HK$15.74M · loan HK$23.62M · min. income ≈ HK$228,910/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,672,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,817
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,030
−HK$3,260/mo
Today · 4.125%
HK$126,290
baseline
▲ 0.50% · 4.625%
HK$132,947
+HK$6,657/mo
Deposit HK$15.74M · loan HK$23.62M · min. income ≈ HK$252,580/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,672,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,652
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$129,560
−HK$3,971/mo
Today · 4.125%
HK$133,531
baseline
▲ 0.50% · 4.625%
HK$141,656
+HK$8,125/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$267,062/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,786
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$143,535
−HK$3,804/mo
Today · 4.125%
HK$147,339
baseline
▲ 0.50% · 4.625%
HK$155,105
+HK$7,766/mo
Deposit HK$11.81M · loan HK$27.55M · min. income ≈ HK$294,678/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,672,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,552
−HK$10,131/mo
▼ 0.25% · 3.875%
HK$166,578
−HK$5,105/mo
Today · 4.125%
HK$171,683
baseline
▲ 0.50% · 4.625%
HK$182,130
+HK$10,447/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$343,366/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,725
−HK$9,710/mo
▼ 0.25% · 3.875%
HK$184,545
−HK$4,890/mo
Today · 4.125%
HK$189,435
baseline
▲ 0.50% · 4.625%
HK$199,421
+HK$9,986/mo
Deposit HK$3.94M · loan HK$35.42M · min. income ≈ HK$378,870/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,672,808 · Scale 2, in force from 26 Feb 2026)