LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,879
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,675
−HK$2,840/mo
Today · 4.125%
HK$95,515
baseline
▲ 0.50% · 4.625%
HK$101,327
+HK$5,812/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$191,030/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,675,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,989
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,671
−HK$2,720/mo
Today · 4.125%
HK$105,391
baseline
▲ 0.50% · 4.625%
HK$110,947
+HK$5,556/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$210,782/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,675,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,855
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,210
−HK$3,408/mo
Today · 4.125%
HK$114,618
baseline
▲ 0.50% · 4.625%
HK$121,592
+HK$6,974/mo
Deposit HK$15.77M · loan HK$23.65M · min. income ≈ HK$229,236/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,675,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,987
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$123,205
−HK$3,265/mo
Today · 4.125%
HK$126,470
baseline
▲ 0.50% · 4.625%
HK$133,136
+HK$6,666/mo
Deposit HK$15.77M · loan HK$23.65M · min. income ≈ HK$252,940/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,675,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,830
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$129,744
−HK$3,977/mo
Today · 4.125%
HK$133,721
baseline
▲ 0.50% · 4.625%
HK$141,858
+HK$8,137/mo
Deposit HK$11.82M · loan HK$27.59M · min. income ≈ HK$267,442/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,985
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$143,739
−HK$3,809/mo
Today · 4.125%
HK$147,548
baseline
▲ 0.50% · 4.625%
HK$155,325
+HK$7,777/mo
Deposit HK$11.82M · loan HK$27.59M · min. income ≈ HK$295,096/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,782
−HK$10,145/mo
▼ 0.25% · 3.875%
HK$166,814
−HK$5,113/mo
Today · 4.125%
HK$171,927
baseline
▲ 0.50% · 4.625%
HK$182,388
+HK$10,461/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$343,854/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,981
−HK$9,724/mo
▼ 0.25% · 3.875%
HK$184,808
−HK$4,897/mo
Today · 4.125%
HK$189,705
baseline
▲ 0.50% · 4.625%
HK$199,704
+HK$9,999/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$379,410/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,186 · Scale 2, in force from 26 Feb 2026)