LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,836
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,630
−HK$2,839/mo
Today · 4.125%
HK$95,469
baseline
▲ 0.50% · 4.625%
HK$101,278
+HK$5,809/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,938/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,941
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,621
−HK$2,720/mo
Today · 4.125%
HK$105,341
baseline
▲ 0.50% · 4.625%
HK$110,893
+HK$5,552/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,682/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,803
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,156
−HK$3,407/mo
Today · 4.125%
HK$114,563
baseline
▲ 0.50% · 4.625%
HK$121,534
+HK$6,971/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,126/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,929
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,146
−HK$3,263/mo
Today · 4.125%
HK$126,409
baseline
▲ 0.50% · 4.625%
HK$133,072
+HK$6,663/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,818/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,770
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,682
−HK$3,975/mo
Today · 4.125%
HK$133,657
baseline
▲ 0.50% · 4.625%
HK$141,789
+HK$8,132/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,314/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,918
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$143,670
−HK$3,807/mo
Today · 4.125%
HK$147,477
baseline
▲ 0.50% · 4.625%
HK$155,251
+HK$7,774/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$294,954/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,704
−HK$10,140/mo
▼ 0.25% · 3.875%
HK$166,734
−HK$5,110/mo
Today · 4.125%
HK$171,844
baseline
▲ 0.50% · 4.625%
HK$182,300
+HK$10,456/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$343,688/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,894
−HK$9,719/mo
▼ 0.25% · 3.875%
HK$184,719
−HK$4,894/mo
Today · 4.125%
HK$189,613
baseline
▲ 0.50% · 4.625%
HK$199,608
+HK$9,995/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$379,226/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,378 · Scale 2, in force from 26 Feb 2026)