LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,768
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$92,560
−HK$2,837/mo
Today · 4.125%
HK$95,397
baseline
▲ 0.50% · 4.625%
HK$101,202
+HK$5,805/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$190,794/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$1,673,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,866
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$102,544
−HK$2,717/mo
Today · 4.125%
HK$105,261
baseline
▲ 0.50% · 4.625%
HK$110,810
+HK$5,549/mo
Deposit HK$19.68M · loan HK$19.68M · min. income ≈ HK$210,522/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$1,673,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,721
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$111,072
−HK$3,404/mo
Today · 4.125%
HK$114,476
baseline
▲ 0.50% · 4.625%
HK$121,442
+HK$6,966/mo
Deposit HK$15.75M · loan HK$23.62M · min. income ≈ HK$228,952/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,673,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,839
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$123,053
−HK$3,260/mo
Today · 4.125%
HK$126,313
baseline
▲ 0.50% · 4.625%
HK$132,971
+HK$6,658/mo
Deposit HK$15.75M · loan HK$23.62M · min. income ≈ HK$252,626/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,673,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,675
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$129,584
−HK$3,972/mo
Today · 4.125%
HK$133,556
baseline
▲ 0.50% · 4.625%
HK$141,682
+HK$8,126/mo
Deposit HK$11.81M · loan HK$27.56M · min. income ≈ HK$267,112/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,673,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,812
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$143,562
−HK$3,804/mo
Today · 4.125%
HK$147,366
baseline
▲ 0.50% · 4.625%
HK$155,133
+HK$7,767/mo
Deposit HK$11.81M · loan HK$27.56M · min. income ≈ HK$294,732/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,673,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,582
−HK$10,132/mo
▼ 0.25% · 3.875%
HK$166,608
−HK$5,106/mo
Today · 4.125%
HK$171,714
baseline
▲ 0.50% · 4.625%
HK$182,163
+HK$10,449/mo
Deposit HK$3.94M · loan HK$35.43M · min. income ≈ HK$343,428/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,758
−HK$9,712/mo
▼ 0.25% · 3.875%
HK$184,579
−HK$4,891/mo
Today · 4.125%
HK$189,470
baseline
▲ 0.50% · 4.625%
HK$199,457
+HK$9,987/mo
Deposit HK$3.94M · loan HK$35.43M · min. income ≈ HK$378,940/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,114 · Scale 2, in force from 26 Feb 2026)