LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,951
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,749
−HK$2,843/mo
Today · 4.125%
HK$95,592
baseline
▲ 0.50% · 4.625%
HK$101,408
+HK$5,816/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,184/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,070
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,753
−HK$2,723/mo
Today · 4.125%
HK$105,476
baseline
▲ 0.50% · 4.625%
HK$111,036
+HK$5,560/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,952/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,941
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,299
−HK$3,411/mo
Today · 4.125%
HK$114,710
baseline
▲ 0.50% · 4.625%
HK$121,690
+HK$6,980/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$229,420/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,084
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$123,304
−HK$3,267/mo
Today · 4.125%
HK$126,571
baseline
▲ 0.50% · 4.625%
HK$133,243
+HK$6,672/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$253,142/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,931
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$129,849
−HK$3,979/mo
Today · 4.125%
HK$133,828
baseline
▲ 0.50% · 4.625%
HK$141,972
+HK$8,144/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$267,656/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,097
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$143,855
−HK$3,811/mo
Today · 4.125%
HK$147,666
baseline
▲ 0.50% · 4.625%
HK$155,450
+HK$7,784/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$295,332/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,912
−HK$10,153/mo
▼ 0.25% · 3.875%
HK$166,948
−HK$5,117/mo
Today · 4.125%
HK$172,065
baseline
▲ 0.50% · 4.625%
HK$182,535
+HK$10,470/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$344,130/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,125
−HK$9,732/mo
▼ 0.25% · 3.875%
HK$184,956
−HK$4,901/mo
Today · 4.125%
HK$189,857
baseline
▲ 0.50% · 4.625%
HK$199,865
+HK$10,008/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$379,714/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,530 · Scale 2, in force from 26 Feb 2026)