LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,809
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,603
−HK$2,838/mo
Today · 4.125%
HK$95,441
baseline
▲ 0.50% · 4.625%
HK$101,248
+HK$5,807/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$190,882/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,673,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,912
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,591
−HK$2,719/mo
Today · 4.125%
HK$105,310
baseline
▲ 0.50% · 4.625%
HK$110,861
+HK$5,551/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$210,620/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,673,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,771
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,123
−HK$3,406/mo
Today · 4.125%
HK$114,529
baseline
▲ 0.50% · 4.625%
HK$121,498
+HK$6,969/mo
Deposit HK$15.75M · loan HK$23.63M · min. income ≈ HK$229,058/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,673,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,894
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,110
−HK$3,262/mo
Today · 4.125%
HK$126,372
baseline
▲ 0.50% · 4.625%
HK$133,033
+HK$6,661/mo
Deposit HK$15.75M · loan HK$23.63M · min. income ≈ HK$252,744/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,673,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,733
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$129,644
−HK$3,973/mo
Today · 4.125%
HK$133,617
baseline
▲ 0.50% · 4.625%
HK$141,748
+HK$8,131/mo
Deposit HK$11.82M · loan HK$27.57M · min. income ≈ HK$267,234/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,876
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$143,628
−HK$3,805/mo
Today · 4.125%
HK$147,433
baseline
▲ 0.50% · 4.625%
HK$155,205
+HK$7,772/mo
Deposit HK$11.82M · loan HK$27.57M · min. income ≈ HK$294,866/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,656
−HK$10,138/mo
▼ 0.25% · 3.875%
HK$166,685
−HK$5,109/mo
Today · 4.125%
HK$171,794
baseline
▲ 0.50% · 4.625%
HK$182,247
+HK$10,453/mo
Deposit HK$3.94M · loan HK$35.45M · min. income ≈ HK$343,588/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,841
−HK$9,716/mo
▼ 0.25% · 3.875%
HK$184,664
−HK$4,893/mo
Today · 4.125%
HK$189,557
baseline
▲ 0.50% · 4.625%
HK$199,549
+HK$9,992/mo
Deposit HK$3.94M · loan HK$35.45M · min. income ≈ HK$379,114/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,885 · Scale 2, in force from 26 Feb 2026)