LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,857
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,652
−HK$2,840/mo
Today · 4.125%
HK$95,492
baseline
▲ 0.50% · 4.625%
HK$101,303
+HK$5,811/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,984/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,965
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,646
−HK$2,720/mo
Today · 4.125%
HK$105,366
baseline
▲ 0.50% · 4.625%
HK$110,920
+HK$5,554/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,732/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,829
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,183
−HK$3,408/mo
Today · 4.125%
HK$114,591
baseline
▲ 0.50% · 4.625%
HK$121,563
+HK$6,972/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$229,182/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,958
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,176
−HK$3,263/mo
Today · 4.125%
HK$126,439
baseline
▲ 0.50% · 4.625%
HK$133,104
+HK$6,665/mo
Deposit HK$15.76M · loan HK$23.64M · min. income ≈ HK$252,878/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,800
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$129,713
−HK$3,976/mo
Today · 4.125%
HK$133,689
baseline
▲ 0.50% · 4.625%
HK$141,824
+HK$8,135/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$267,378/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,952
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$143,705
−HK$3,808/mo
Today · 4.125%
HK$147,513
baseline
▲ 0.50% · 4.625%
HK$155,288
+HK$7,775/mo
Deposit HK$11.82M · loan HK$27.58M · min. income ≈ HK$295,026/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,743
−HK$10,143/mo
▼ 0.25% · 3.875%
HK$166,774
−HK$5,112/mo
Today · 4.125%
HK$171,886
baseline
▲ 0.50% · 4.625%
HK$182,345
+HK$10,459/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$343,772/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,938
−HK$9,721/mo
▼ 0.25% · 3.875%
HK$184,764
−HK$4,895/mo
Today · 4.125%
HK$189,659
baseline
▲ 0.50% · 4.625%
HK$199,656
+HK$9,997/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$379,318/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,785 · Scale 2, in force from 26 Feb 2026)