LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,832
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,626
−HK$2,839/mo
Today · 4.125%
HK$95,465
baseline
▲ 0.50% · 4.625%
HK$101,274
+HK$5,809/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,930/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,937
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,617
−HK$2,719/mo
Today · 4.125%
HK$105,336
baseline
▲ 0.50% · 4.625%
HK$110,889
+HK$5,553/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,672/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,798
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,151
−HK$3,407/mo
Today · 4.125%
HK$114,558
baseline
▲ 0.50% · 4.625%
HK$121,529
+HK$6,971/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,116/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,924
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,141
−HK$3,262/mo
Today · 4.125%
HK$126,403
baseline
▲ 0.50% · 4.625%
HK$133,066
+HK$6,663/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,806/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,764
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,676
−HK$3,975/mo
Today · 4.125%
HK$133,651
baseline
▲ 0.50% · 4.625%
HK$141,783
+HK$8,132/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,302/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,912
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$143,664
−HK$3,807/mo
Today · 4.125%
HK$147,471
baseline
▲ 0.50% · 4.625%
HK$155,244
+HK$7,773/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$294,942/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,697
−HK$10,140/mo
▼ 0.25% · 3.875%
HK$166,727
−HK$5,110/mo
Today · 4.125%
HK$171,837
baseline
▲ 0.50% · 4.625%
HK$182,293
+HK$10,456/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$343,674/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,886
−HK$9,719/mo
▼ 0.25% · 3.875%
HK$184,711
−HK$4,894/mo
Today · 4.125%
HK$189,605
baseline
▲ 0.50% · 4.625%
HK$199,599
+HK$9,994/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$379,210/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,307 · Scale 2, in force from 26 Feb 2026)