LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,825
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,619
−HK$2,839/mo
Today · 4.125%
HK$95,458
baseline
▲ 0.50% · 4.625%
HK$101,267
+HK$5,809/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,916/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,930
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,610
−HK$2,719/mo
Today · 4.125%
HK$105,329
baseline
▲ 0.50% · 4.625%
HK$110,881
+HK$5,552/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,658/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,790
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,143
−HK$3,407/mo
Today · 4.125%
HK$114,550
baseline
▲ 0.50% · 4.625%
HK$121,520
+HK$6,970/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,100/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,916
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,132
−HK$3,262/mo
Today · 4.125%
HK$126,394
baseline
▲ 0.50% · 4.625%
HK$133,057
+HK$6,663/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,788/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,756
−HK$7,885/mo
▼ 0.25% · 3.875%
HK$129,667
−HK$3,974/mo
Today · 4.125%
HK$133,641
baseline
▲ 0.50% · 4.625%
HK$141,773
+HK$8,132/mo
Deposit HK$11.82M · loan HK$27.57M · min. income ≈ HK$267,282/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,902
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$143,654
−HK$3,806/mo
Today · 4.125%
HK$147,460
baseline
▲ 0.50% · 4.625%
HK$155,233
+HK$7,773/mo
Deposit HK$11.82M · loan HK$27.57M · min. income ≈ HK$294,920/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,686
−HK$10,139/mo
▼ 0.25% · 3.875%
HK$166,715
−HK$5,110/mo
Today · 4.125%
HK$171,825
baseline
▲ 0.50% · 4.625%
HK$182,280
+HK$10,455/mo
Deposit HK$3.94M · loan HK$35.45M · min. income ≈ HK$343,650/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,874
−HK$9,718/mo
▼ 0.25% · 3.875%
HK$184,698
−HK$4,894/mo
Today · 4.125%
HK$189,592
baseline
▲ 0.50% · 4.625%
HK$199,585
+HK$9,993/mo
Deposit HK$3.94M · loan HK$35.45M · min. income ≈ HK$379,184/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,189 · Scale 2, in force from 26 Feb 2026)