LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,961
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,759
−HK$2,843/mo
Today · 4.125%
HK$95,602
baseline
▲ 0.50% · 4.625%
HK$101,419
+HK$5,817/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$191,204/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,080
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,764
−HK$2,723/mo
Today · 4.125%
HK$105,487
baseline
▲ 0.50% · 4.625%
HK$111,048
+HK$5,561/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$210,974/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,953
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,311
−HK$3,411/mo
Today · 4.125%
HK$114,722
baseline
▲ 0.50% · 4.625%
HK$121,703
+HK$6,981/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$229,444/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,096
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,317
−HK$3,268/mo
Today · 4.125%
HK$126,585
baseline
▲ 0.50% · 4.625%
HK$133,257
+HK$6,672/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$253,170/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,945
−HK$7,898/mo
▼ 0.25% · 3.875%
HK$129,862
−HK$3,981/mo
Today · 4.125%
HK$133,843
baseline
▲ 0.50% · 4.625%
HK$141,987
+HK$8,144/mo
Deposit HK$11.84M · loan HK$27.62M · min. income ≈ HK$267,686/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,112
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$143,870
−HK$3,812/mo
Today · 4.125%
HK$147,682
baseline
▲ 0.50% · 4.625%
HK$155,467
+HK$7,785/mo
Deposit HK$11.84M · loan HK$27.62M · min. income ≈ HK$295,364/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,929
−HK$10,155/mo
▼ 0.25% · 3.875%
HK$166,966
−HK$5,118/mo
Today · 4.125%
HK$172,084
baseline
▲ 0.50% · 4.625%
HK$182,554
+HK$10,470/mo
Deposit HK$3.95M · loan HK$35.51M · min. income ≈ HK$344,168/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,145
−HK$9,732/mo
▼ 0.25% · 3.875%
HK$184,976
−HK$4,901/mo
Today · 4.125%
HK$189,877
baseline
▲ 0.50% · 4.625%
HK$199,886
+HK$10,009/mo
Deposit HK$3.95M · loan HK$35.51M · min. income ≈ HK$379,754/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,709 · Scale 2, in force from 26 Feb 2026)