LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,830
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,624
−HK$2,839/mo
Today · 4.125%
HK$95,463
baseline
▲ 0.50% · 4.625%
HK$101,272
+HK$5,809/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,926/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,935
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,615
−HK$2,719/mo
Today · 4.125%
HK$105,334
baseline
▲ 0.50% · 4.625%
HK$110,886
+HK$5,552/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,668/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,796
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,149
−HK$3,406/mo
Today · 4.125%
HK$114,555
baseline
▲ 0.50% · 4.625%
HK$121,526
+HK$6,971/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,110/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,922
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,138
−HK$3,263/mo
Today · 4.125%
HK$126,401
baseline
▲ 0.50% · 4.625%
HK$133,063
+HK$6,662/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,802/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,762
−HK$7,886/mo
▼ 0.25% · 3.875%
HK$129,674
−HK$3,974/mo
Today · 4.125%
HK$133,648
baseline
▲ 0.50% · 4.625%
HK$141,780
+HK$8,132/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,296/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,909
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$143,661
−HK$3,806/mo
Today · 4.125%
HK$147,467
baseline
▲ 0.50% · 4.625%
HK$155,241
+HK$7,774/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$294,934/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,694
−HK$10,139/mo
▼ 0.25% · 3.875%
HK$166,723
−HK$5,110/mo
Today · 4.125%
HK$171,833
baseline
▲ 0.50% · 4.625%
HK$182,289
+HK$10,456/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$343,666/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,883
−HK$9,718/mo
▼ 0.25% · 3.875%
HK$184,707
−HK$4,894/mo
Today · 4.125%
HK$189,601
baseline
▲ 0.50% · 4.625%
HK$199,595
+HK$9,994/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$379,202/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,271 · Scale 2, in force from 26 Feb 2026)