LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,892
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,688
−HK$2,841/mo
Today · 4.125%
HK$95,529
baseline
▲ 0.50% · 4.625%
HK$101,341
+HK$5,812/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$191,058/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,004
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,686
−HK$2,720/mo
Today · 4.125%
HK$105,406
baseline
▲ 0.50% · 4.625%
HK$110,962
+HK$5,556/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$210,812/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,870
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$111,225
−HK$3,409/mo
Today · 4.125%
HK$114,634
baseline
▲ 0.50% · 4.625%
HK$121,610
+HK$6,976/mo
Deposit HK$15.77M · loan HK$23.65M · min. income ≈ HK$229,268/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,675,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,004
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,223
−HK$3,265/mo
Today · 4.125%
HK$126,488
baseline
▲ 0.50% · 4.625%
HK$133,155
+HK$6,667/mo
Deposit HK$15.77M · loan HK$23.65M · min. income ≈ HK$252,976/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,675,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,848
−HK$7,892/mo
▼ 0.25% · 3.875%
HK$129,763
−HK$3,977/mo
Today · 4.125%
HK$133,740
baseline
▲ 0.50% · 4.625%
HK$141,878
+HK$8,138/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$267,480/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,005
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$143,760
−HK$3,809/mo
Today · 4.125%
HK$147,569
baseline
▲ 0.50% · 4.625%
HK$155,347
+HK$7,778/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$295,138/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,805
−HK$10,146/mo
▼ 0.25% · 3.875%
HK$166,838
−HK$5,113/mo
Today · 4.125%
HK$171,951
baseline
▲ 0.50% · 4.625%
HK$182,414
+HK$10,463/mo
Deposit HK$3.94M · loan HK$35.48M · min. income ≈ HK$343,902/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,006
−HK$9,725/mo
▼ 0.25% · 3.875%
HK$184,834
−HK$4,897/mo
Today · 4.125%
HK$189,731
baseline
▲ 0.50% · 4.625%
HK$199,732
+HK$10,001/mo
Deposit HK$3.94M · loan HK$35.48M · min. income ≈ HK$379,462/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,423 · Scale 2, in force from 26 Feb 2026)