LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,795
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,588
−HK$2,838/mo
Today · 4.125%
HK$95,426
baseline
▲ 0.50% · 4.625%
HK$101,232
+HK$5,806/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$190,852/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$1,673,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,896
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$102,575
−HK$2,718/mo
Today · 4.125%
HK$105,293
baseline
▲ 0.50% · 4.625%
HK$110,843
+HK$5,550/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$210,586/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$1,673,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,754
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,105
−HK$3,406/mo
Today · 4.125%
HK$114,511
baseline
▲ 0.50% · 4.625%
HK$121,479
+HK$6,968/mo
Deposit HK$15.75M · loan HK$23.63M · min. income ≈ HK$229,022/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,673,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,875
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,090
−HK$3,261/mo
Today · 4.125%
HK$126,351
baseline
▲ 0.50% · 4.625%
HK$133,012
+HK$6,661/mo
Deposit HK$15.75M · loan HK$23.63M · min. income ≈ HK$252,702/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,673,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,713
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$129,623
−HK$3,973/mo
Today · 4.125%
HK$133,596
baseline
▲ 0.50% · 4.625%
HK$141,725
+HK$8,129/mo
Deposit HK$11.81M · loan HK$27.57M · min. income ≈ HK$267,192/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,854
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$143,605
−HK$3,805/mo
Today · 4.125%
HK$147,410
baseline
▲ 0.50% · 4.625%
HK$155,180
+HK$7,770/mo
Deposit HK$11.81M · loan HK$27.57M · min. income ≈ HK$294,820/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,631
−HK$10,135/mo
▼ 0.25% · 3.875%
HK$166,658
−HK$5,108/mo
Today · 4.125%
HK$171,766
baseline
▲ 0.50% · 4.625%
HK$182,218
+HK$10,452/mo
Deposit HK$3.94M · loan HK$35.44M · min. income ≈ HK$343,532/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,812
−HK$9,715/mo
▼ 0.25% · 3.875%
HK$184,635
−HK$4,892/mo
Today · 4.125%
HK$189,527
baseline
▲ 0.50% · 4.625%
HK$199,517
+HK$9,990/mo
Deposit HK$3.94M · loan HK$35.44M · min. income ≈ HK$379,054/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,618 · Scale 2, in force from 26 Feb 2026)