LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,835
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,629
−HK$2,839/mo
Today · 4.125%
HK$95,468
baseline
▲ 0.50% · 4.625%
HK$101,277
+HK$5,809/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,936/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,940
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,620
−HK$2,720/mo
Today · 4.125%
HK$105,340
baseline
▲ 0.50% · 4.625%
HK$110,892
+HK$5,552/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,680/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,802
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,155
−HK$3,407/mo
Today · 4.125%
HK$114,562
baseline
▲ 0.50% · 4.625%
HK$121,532
+HK$6,970/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,124/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,928
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,145
−HK$3,262/mo
Today · 4.125%
HK$126,407
baseline
▲ 0.50% · 4.625%
HK$133,071
+HK$6,664/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,814/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,768
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,681
−HK$3,974/mo
Today · 4.125%
HK$133,655
baseline
▲ 0.50% · 4.625%
HK$141,788
+HK$8,133/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,310/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,916
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$143,669
−HK$3,806/mo
Today · 4.125%
HK$147,475
baseline
▲ 0.50% · 4.625%
HK$155,249
+HK$7,774/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$294,950/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,702
−HK$10,140/mo
▼ 0.25% · 3.875%
HK$166,732
−HK$5,110/mo
Today · 4.125%
HK$171,842
baseline
▲ 0.50% · 4.625%
HK$182,299
+HK$10,457/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$343,684/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,892
−HK$9,719/mo
▼ 0.25% · 3.875%
HK$184,717
−HK$4,894/mo
Today · 4.125%
HK$189,611
baseline
▲ 0.50% · 4.625%
HK$199,606
+HK$9,995/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$379,222/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,361 · Scale 2, in force from 26 Feb 2026)