LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,840
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,634
−HK$2,839/mo
Today · 4.125%
HK$95,473
baseline
▲ 0.50% · 4.625%
HK$101,283
+HK$5,810/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,946/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,946
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,626
−HK$2,719/mo
Today · 4.125%
HK$105,345
baseline
▲ 0.50% · 4.625%
HK$110,898
+HK$5,553/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,690/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,808
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,161
−HK$3,407/mo
Today · 4.125%
HK$114,568
baseline
▲ 0.50% · 4.625%
HK$121,539
+HK$6,971/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,136/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,935
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,151
−HK$3,264/mo
Today · 4.125%
HK$126,415
baseline
▲ 0.50% · 4.625%
HK$133,078
+HK$6,663/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,830/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,776
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,688
−HK$3,975/mo
Today · 4.125%
HK$133,663
baseline
▲ 0.50% · 4.625%
HK$141,796
+HK$8,133/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,326/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,924
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,677
−HK$3,807/mo
Today · 4.125%
HK$147,484
baseline
▲ 0.50% · 4.625%
HK$155,258
+HK$7,774/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$294,968/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,711
−HK$10,141/mo
▼ 0.25% · 3.875%
HK$166,742
−HK$5,110/mo
Today · 4.125%
HK$171,852
baseline
▲ 0.50% · 4.625%
HK$182,309
+HK$10,457/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$343,704/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,902
−HK$9,720/mo
▼ 0.25% · 3.875%
HK$184,727
−HK$4,895/mo
Today · 4.125%
HK$189,622
baseline
▲ 0.50% · 4.625%
HK$199,617
+HK$9,995/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$379,244/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,455 · Scale 2, in force from 26 Feb 2026)