LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,779
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,572
−HK$2,837/mo
Today · 4.125%
HK$95,409
baseline
▲ 0.50% · 4.625%
HK$101,214
+HK$5,805/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$190,818/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$1,673,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,878
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,557
−HK$2,717/mo
Today · 4.125%
HK$105,274
baseline
▲ 0.50% · 4.625%
HK$110,823
+HK$5,549/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$210,548/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$1,673,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,735
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,086
−HK$3,405/mo
Today · 4.125%
HK$114,491
baseline
▲ 0.50% · 4.625%
HK$121,457
+HK$6,966/mo
Deposit HK$15.75M · loan HK$23.62M · min. income ≈ HK$228,982/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,673,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,854
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,068
−HK$3,261/mo
Today · 4.125%
HK$126,329
baseline
▲ 0.50% · 4.625%
HK$132,988
+HK$6,659/mo
Deposit HK$15.75M · loan HK$23.62M · min. income ≈ HK$252,658/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,673,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,691
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$129,600
−HK$3,972/mo
Today · 4.125%
HK$133,572
baseline
▲ 0.50% · 4.625%
HK$141,700
+HK$8,128/mo
Deposit HK$11.81M · loan HK$27.56M · min. income ≈ HK$267,144/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,829
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$143,580
−HK$3,804/mo
Today · 4.125%
HK$147,384
baseline
▲ 0.50% · 4.625%
HK$155,153
+HK$7,769/mo
Deposit HK$11.81M · loan HK$27.56M · min. income ≈ HK$294,768/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,602
−HK$10,134/mo
▼ 0.25% · 3.875%
HK$166,629
−HK$5,107/mo
Today · 4.125%
HK$171,736
baseline
▲ 0.50% · 4.625%
HK$182,186
+HK$10,450/mo
Deposit HK$3.94M · loan HK$35.44M · min. income ≈ HK$343,472/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,781
−HK$9,713/mo
▼ 0.25% · 3.875%
HK$184,602
−HK$4,892/mo
Today · 4.125%
HK$189,494
baseline
▲ 0.50% · 4.625%
HK$199,482
+HK$9,988/mo
Deposit HK$3.94M · loan HK$35.44M · min. income ≈ HK$378,988/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,323 · Scale 2, in force from 26 Feb 2026)