LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,838
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,633
−HK$2,839/mo
Today · 4.125%
HK$95,472
baseline
▲ 0.50% · 4.625%
HK$101,281
+HK$5,809/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,944/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,944
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,625
−HK$2,719/mo
Today · 4.125%
HK$105,344
baseline
▲ 0.50% · 4.625%
HK$110,897
+HK$5,553/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,688/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,806
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,160
−HK$3,407/mo
Today · 4.125%
HK$114,567
baseline
▲ 0.50% · 4.625%
HK$121,538
+HK$6,971/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,134/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,933
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,150
−HK$3,263/mo
Today · 4.125%
HK$126,413
baseline
▲ 0.50% · 4.625%
HK$133,076
+HK$6,663/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,826/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,774
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,686
−HK$3,975/mo
Today · 4.125%
HK$133,661
baseline
▲ 0.50% · 4.625%
HK$141,794
+HK$8,133/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,322/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,922
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,675
−HK$3,807/mo
Today · 4.125%
HK$147,482
baseline
▲ 0.50% · 4.625%
HK$155,256
+HK$7,774/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$294,964/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,709
−HK$10,141/mo
▼ 0.25% · 3.875%
HK$166,739
−HK$5,111/mo
Today · 4.125%
HK$171,850
baseline
▲ 0.50% · 4.625%
HK$182,306
+HK$10,456/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$343,700/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,900
−HK$9,719/mo
▼ 0.25% · 3.875%
HK$184,725
−HK$4,894/mo
Today · 4.125%
HK$189,619
baseline
▲ 0.50% · 4.625%
HK$199,614
+HK$9,995/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$379,238/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,432 · Scale 2, in force from 26 Feb 2026)