LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,844
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,639
−HK$2,839/mo
Today · 4.125%
HK$95,478
baseline
▲ 0.50% · 4.625%
HK$101,288
+HK$5,810/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,956/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,951
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,632
−HK$2,719/mo
Today · 4.125%
HK$105,351
baseline
▲ 0.50% · 4.625%
HK$110,904
+HK$5,553/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,702/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,813
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,167
−HK$3,407/mo
Today · 4.125%
HK$114,574
baseline
▲ 0.50% · 4.625%
HK$121,546
+HK$6,972/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,148/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,941
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,158
−HK$3,263/mo
Today · 4.125%
HK$126,421
baseline
▲ 0.50% · 4.625%
HK$133,085
+HK$6,664/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,842/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,674,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,782
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$129,695
−HK$3,975/mo
Today · 4.125%
HK$133,670
baseline
▲ 0.50% · 4.625%
HK$141,803
+HK$8,133/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,340/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,931
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$143,684
−HK$3,808/mo
Today · 4.125%
HK$147,492
baseline
▲ 0.50% · 4.625%
HK$155,266
+HK$7,774/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$294,984/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,674,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,720
−HK$10,141/mo
▼ 0.25% · 3.875%
HK$166,750
−HK$5,111/mo
Today · 4.125%
HK$171,861
baseline
▲ 0.50% · 4.625%
HK$182,319
+HK$10,458/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$343,722/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,912
−HK$9,720/mo
▼ 0.25% · 3.875%
HK$184,737
−HK$4,895/mo
Today · 4.125%
HK$189,632
baseline
▲ 0.50% · 4.625%
HK$199,628
+HK$9,996/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$379,264/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,674,544 · Scale 2, in force from 26 Feb 2026)