LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,843
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,637
−HK$2,840/mo
Today · 4.125%
HK$95,477
baseline
▲ 0.50% · 4.625%
HK$101,286
+HK$5,809/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,954/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,949
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,630
−HK$2,719/mo
Today · 4.125%
HK$105,349
baseline
▲ 0.50% · 4.625%
HK$110,902
+HK$5,553/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,698/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,674,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,811
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,165
−HK$3,407/mo
Today · 4.125%
HK$114,572
baseline
▲ 0.50% · 4.625%
HK$121,544
+HK$6,972/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,144/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,939
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,156
−HK$3,263/mo
Today · 4.125%
HK$126,419
baseline
▲ 0.50% · 4.625%
HK$133,083
+HK$6,664/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,838/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,780
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,692
−HK$3,975/mo
Today · 4.125%
HK$133,667
baseline
▲ 0.50% · 4.625%
HK$141,801
+HK$8,134/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,334/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,929
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,682
−HK$3,807/mo
Today · 4.125%
HK$147,489
baseline
▲ 0.50% · 4.625%
HK$155,263
+HK$7,774/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$294,978/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,717
−HK$10,141/mo
▼ 0.25% · 3.875%
HK$166,747
−HK$5,111/mo
Today · 4.125%
HK$171,858
baseline
▲ 0.50% · 4.625%
HK$182,315
+HK$10,457/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$343,716/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,909
−HK$9,719/mo
▼ 0.25% · 3.875%
HK$184,734
−HK$4,894/mo
Today · 4.125%
HK$189,628
baseline
▲ 0.50% · 4.625%
HK$199,624
+HK$9,996/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$379,256/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,513 · Scale 2, in force from 26 Feb 2026)