LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,810
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,604
−HK$2,838/mo
Today · 4.125%
HK$95,442
baseline
▲ 0.50% · 4.625%
HK$101,249
+HK$5,807/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$190,884/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,673,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,913
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,592
−HK$2,719/mo
Today · 4.125%
HK$105,311
baseline
▲ 0.50% · 4.625%
HK$110,862
+HK$5,551/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$210,622/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,673,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,772
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,124
−HK$3,406/mo
Today · 4.125%
HK$114,530
baseline
▲ 0.50% · 4.625%
HK$121,499
+HK$6,969/mo
Deposit HK$15.75M · loan HK$23.63M · min. income ≈ HK$229,060/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,673,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,895
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,111
−HK$3,262/mo
Today · 4.125%
HK$126,373
baseline
▲ 0.50% · 4.625%
HK$133,034
+HK$6,661/mo
Deposit HK$15.75M · loan HK$23.63M · min. income ≈ HK$252,746/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,673,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,734
−HK$7,885/mo
▼ 0.25% · 3.875%
HK$129,645
−HK$3,974/mo
Today · 4.125%
HK$133,619
baseline
▲ 0.50% · 4.625%
HK$141,749
+HK$8,130/mo
Deposit HK$11.82M · loan HK$27.57M · min. income ≈ HK$267,238/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,878
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$143,629
−HK$3,806/mo
Today · 4.125%
HK$147,435
baseline
▲ 0.50% · 4.625%
HK$155,207
+HK$7,772/mo
Deposit HK$11.82M · loan HK$27.57M · min. income ≈ HK$294,870/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,658
−HK$10,137/mo
▼ 0.25% · 3.875%
HK$166,687
−HK$5,108/mo
Today · 4.125%
HK$171,795
baseline
▲ 0.50% · 4.625%
HK$182,249
+HK$10,454/mo
Deposit HK$3.94M · loan HK$35.45M · min. income ≈ HK$343,590/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,843
−HK$9,716/mo
▼ 0.25% · 3.875%
HK$184,666
−HK$4,893/mo
Today · 4.125%
HK$189,559
baseline
▲ 0.50% · 4.625%
HK$199,551
+HK$9,992/mo
Deposit HK$3.94M · loan HK$35.45M · min. income ≈ HK$379,118/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,903 · Scale 2, in force from 26 Feb 2026)