LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,974
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$92,773
−HK$2,843/mo
Today · 4.125%
HK$95,616
baseline
▲ 0.50% · 4.625%
HK$101,434
+HK$5,818/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$191,232/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,676,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,095
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$102,780
−HK$2,723/mo
Today · 4.125%
HK$105,503
baseline
▲ 0.50% · 4.625%
HK$111,064
+HK$5,561/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$211,006/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,676,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,969
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,327
−HK$3,413/mo
Today · 4.125%
HK$114,740
baseline
▲ 0.50% · 4.625%
HK$121,721
+HK$6,981/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$229,480/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,114
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$123,336
−HK$3,268/mo
Today · 4.125%
HK$126,604
baseline
▲ 0.50% · 4.625%
HK$133,277
+HK$6,673/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$253,208/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,964
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$129,882
−HK$3,981/mo
Today · 4.125%
HK$133,863
baseline
▲ 0.50% · 4.625%
HK$142,008
+HK$8,145/mo
Deposit HK$11.84M · loan HK$27.62M · min. income ≈ HK$267,726/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,134
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$143,892
−HK$3,812/mo
Today · 4.125%
HK$147,704
baseline
▲ 0.50% · 4.625%
HK$155,490
+HK$7,786/mo
Deposit HK$11.84M · loan HK$27.62M · min. income ≈ HK$295,408/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,954
−HK$10,155/mo
▼ 0.25% · 3.875%
HK$166,991
−HK$5,118/mo
Today · 4.125%
HK$172,109
baseline
▲ 0.50% · 4.625%
HK$182,582
+HK$10,473/mo
Deposit HK$3.95M · loan HK$35.51M · min. income ≈ HK$344,218/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,172
−HK$9,734/mo
▼ 0.25% · 3.875%
HK$185,004
−HK$4,902/mo
Today · 4.125%
HK$189,906
baseline
▲ 0.50% · 4.625%
HK$199,916
+HK$10,010/mo
Deposit HK$3.95M · loan HK$35.51M · min. income ≈ HK$379,812/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,962 · Scale 2, in force from 26 Feb 2026)