LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,854
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,649
−HK$2,839/mo
Today · 4.125%
HK$95,488
baseline
▲ 0.50% · 4.625%
HK$101,299
+HK$5,811/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,976/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,961
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,642
−HK$2,720/mo
Today · 4.125%
HK$105,362
baseline
▲ 0.50% · 4.625%
HK$110,916
+HK$5,554/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,724/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,824
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,178
−HK$3,408/mo
Today · 4.125%
HK$114,586
baseline
▲ 0.50% · 4.625%
HK$121,558
+HK$6,972/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,172/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,954
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,171
−HK$3,263/mo
Today · 4.125%
HK$126,434
baseline
▲ 0.50% · 4.625%
HK$133,099
+HK$6,665/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,868/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,795
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$129,708
−HK$3,976/mo
Today · 4.125%
HK$133,684
baseline
▲ 0.50% · 4.625%
HK$141,818
+HK$8,134/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,368/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,946
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$143,699
−HK$3,808/mo
Today · 4.125%
HK$147,507
baseline
▲ 0.50% · 4.625%
HK$155,282
+HK$7,775/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$295,014/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,737
−HK$10,142/mo
▼ 0.25% · 3.875%
HK$166,768
−HK$5,111/mo
Today · 4.125%
HK$171,879
baseline
▲ 0.50% · 4.625%
HK$182,337
+HK$10,458/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$343,758/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,930
−HK$9,721/mo
▼ 0.25% · 3.875%
HK$184,756
−HK$4,895/mo
Today · 4.125%
HK$189,651
baseline
▲ 0.50% · 4.625%
HK$199,648
+HK$9,997/mo
Deposit HK$3.94M · loan HK$35.46M · min. income ≈ HK$379,302/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,717 · Scale 2, in force from 26 Feb 2026)