LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,937
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,735
−HK$2,842/mo
Today · 4.125%
HK$95,577
baseline
▲ 0.50% · 4.625%
HK$101,393
+HK$5,816/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,154/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,054
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,737
−HK$2,723/mo
Today · 4.125%
HK$105,460
baseline
▲ 0.50% · 4.625%
HK$111,019
+HK$5,559/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,920/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,924
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$111,282
−HK$3,410/mo
Today · 4.125%
HK$114,692
baseline
▲ 0.50% · 4.625%
HK$121,671
+HK$6,979/mo
Deposit HK$15.78M · loan HK$23.66M · min. income ≈ HK$229,384/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,676,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,065
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$123,285
−HK$3,267/mo
Today · 4.125%
HK$126,552
baseline
▲ 0.50% · 4.625%
HK$133,222
+HK$6,670/mo
Deposit HK$15.78M · loan HK$23.66M · min. income ≈ HK$253,104/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,676,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,912
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$129,828
−HK$3,980/mo
Today · 4.125%
HK$133,808
baseline
▲ 0.50% · 4.625%
HK$141,950
+HK$8,142/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$267,616/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,076
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$143,832
−HK$3,812/mo
Today · 4.125%
HK$147,644
baseline
▲ 0.50% · 4.625%
HK$155,426
+HK$7,782/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$295,288/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,887
−HK$10,151/mo
▼ 0.25% · 3.875%
HK$166,922
−HK$5,116/mo
Today · 4.125%
HK$172,038
baseline
▲ 0.50% · 4.625%
HK$182,507
+HK$10,469/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$344,076/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,097
−HK$9,730/mo
▼ 0.25% · 3.875%
HK$184,927
−HK$4,900/mo
Today · 4.125%
HK$189,827
baseline
▲ 0.50% · 4.625%
HK$199,833
+HK$10,006/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$379,654/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,270 · Scale 2, in force from 26 Feb 2026)