LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,812
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,605
−HK$2,839/mo
Today · 4.125%
HK$95,444
baseline
▲ 0.50% · 4.625%
HK$101,251
+HK$5,807/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$190,888/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,673,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,915
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,594
−HK$2,719/mo
Today · 4.125%
HK$105,313
baseline
▲ 0.50% · 4.625%
HK$110,864
+HK$5,551/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$210,626/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,673,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,774
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,127
−HK$3,406/mo
Today · 4.125%
HK$114,533
baseline
▲ 0.50% · 4.625%
HK$121,502
+HK$6,969/mo
Deposit HK$15.75M · loan HK$23.63M · min. income ≈ HK$229,066/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,673,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,898
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,113
−HK$3,262/mo
Today · 4.125%
HK$126,375
baseline
▲ 0.50% · 4.625%
HK$133,037
+HK$6,662/mo
Deposit HK$15.75M · loan HK$23.63M · min. income ≈ HK$252,750/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,673,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,737
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$129,648
−HK$3,973/mo
Today · 4.125%
HK$133,621
baseline
▲ 0.50% · 4.625%
HK$141,752
+HK$8,131/mo
Deposit HK$11.82M · loan HK$27.57M · min. income ≈ HK$267,242/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,881
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$143,632
−HK$3,806/mo
Today · 4.125%
HK$147,438
baseline
▲ 0.50% · 4.625%
HK$155,210
+HK$7,772/mo
Deposit HK$11.82M · loan HK$27.57M · min. income ≈ HK$294,876/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,661
−HK$10,138/mo
▼ 0.25% · 3.875%
HK$166,690
−HK$5,109/mo
Today · 4.125%
HK$171,799
baseline
▲ 0.50% · 4.625%
HK$182,252
+HK$10,453/mo
Deposit HK$3.94M · loan HK$35.45M · min. income ≈ HK$343,598/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,847
−HK$9,716/mo
▼ 0.25% · 3.875%
HK$184,670
−HK$4,893/mo
Today · 4.125%
HK$189,563
baseline
▲ 0.50% · 4.625%
HK$199,555
+HK$9,992/mo
Deposit HK$3.94M · loan HK$35.45M · min. income ≈ HK$379,126/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,936 · Scale 2, in force from 26 Feb 2026)