LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,862
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,657
−HK$2,840/mo
Today · 4.125%
HK$95,497
baseline
▲ 0.50% · 4.625%
HK$101,308
+HK$5,811/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$190,994/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,970
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,651
−HK$2,720/mo
Today · 4.125%
HK$105,371
baseline
▲ 0.50% · 4.625%
HK$110,926
+HK$5,555/mo
Deposit HK$19.70M · loan HK$19.70M · min. income ≈ HK$210,742/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,674,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,834
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,188
−HK$3,408/mo
Today · 4.125%
HK$114,596
baseline
▲ 0.50% · 4.625%
HK$121,569
+HK$6,973/mo
Deposit HK$15.76M · loan HK$23.65M · min. income ≈ HK$229,192/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,964
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,182
−HK$3,264/mo
Today · 4.125%
HK$126,446
baseline
▲ 0.50% · 4.625%
HK$133,111
+HK$6,665/mo
Deposit HK$15.76M · loan HK$23.65M · min. income ≈ HK$252,892/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,674,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,806
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$129,720
−HK$3,976/mo
Today · 4.125%
HK$133,696
baseline
▲ 0.50% · 4.625%
HK$141,831
+HK$8,135/mo
Deposit HK$11.82M · loan HK$27.59M · min. income ≈ HK$267,392/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,958
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$143,712
−HK$3,808/mo
Today · 4.125%
HK$147,520
baseline
▲ 0.50% · 4.625%
HK$155,296
+HK$7,776/mo
Deposit HK$11.82M · loan HK$27.59M · min. income ≈ HK$295,040/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,674,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,751
−HK$10,143/mo
▼ 0.25% · 3.875%
HK$166,782
−HK$5,112/mo
Today · 4.125%
HK$171,894
baseline
▲ 0.50% · 4.625%
HK$182,354
+HK$10,460/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$343,788/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,946
−HK$9,722/mo
▼ 0.25% · 3.875%
HK$184,773
−HK$4,895/mo
Today · 4.125%
HK$189,668
baseline
▲ 0.50% · 4.625%
HK$199,666
+HK$9,998/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$379,336/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,674,866 · Scale 2, in force from 26 Feb 2026)