LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,841
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,636
−HK$2,839/mo
Today · 4.125%
HK$95,475
baseline
▲ 0.50% · 4.625%
HK$101,285
+HK$5,810/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,950/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,948
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,628
−HK$2,720/mo
Today · 4.125%
HK$105,348
baseline
▲ 0.50% · 4.625%
HK$110,901
+HK$5,553/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,696/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,810
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,163
−HK$3,407/mo
Today · 4.125%
HK$114,570
baseline
▲ 0.50% · 4.625%
HK$121,542
+HK$6,972/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,140/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,937
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,154
−HK$3,263/mo
Today · 4.125%
HK$126,417
baseline
▲ 0.50% · 4.625%
HK$133,081
+HK$6,664/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,834/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,778
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,690
−HK$3,975/mo
Today · 4.125%
HK$133,665
baseline
▲ 0.50% · 4.625%
HK$141,799
+HK$8,134/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,330/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,927
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,680
−HK$3,807/mo
Today · 4.125%
HK$147,487
baseline
▲ 0.50% · 4.625%
HK$155,261
+HK$7,774/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$294,974/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,715
−HK$10,141/mo
▼ 0.25% · 3.875%
HK$166,745
−HK$5,111/mo
Today · 4.125%
HK$171,856
baseline
▲ 0.50% · 4.625%
HK$182,313
+HK$10,457/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$343,712/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,906
−HK$9,720/mo
▼ 0.25% · 3.875%
HK$184,731
−HK$4,895/mo
Today · 4.125%
HK$189,626
baseline
▲ 0.50% · 4.625%
HK$199,621
+HK$9,995/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$379,252/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,489 · Scale 2, in force from 26 Feb 2026)