LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,986
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$92,785
−HK$2,844/mo
Today · 4.125%
HK$95,629
baseline
▲ 0.50% · 4.625%
HK$101,448
+HK$5,819/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$191,258/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,108
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,793
−HK$2,724/mo
Today · 4.125%
HK$105,517
baseline
▲ 0.50% · 4.625%
HK$111,079
+HK$5,562/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$211,034/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,983
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$111,342
−HK$3,413/mo
Today · 4.125%
HK$114,755
baseline
▲ 0.50% · 4.625%
HK$121,737
+HK$6,982/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$229,510/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,677,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,130
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$123,352
−HK$3,268/mo
Today · 4.125%
HK$126,620
baseline
▲ 0.50% · 4.625%
HK$133,295
+HK$6,675/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$253,240/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,677,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,980
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,899
−HK$3,981/mo
Today · 4.125%
HK$133,880
baseline
▲ 0.50% · 4.625%
HK$142,027
+HK$8,147/mo
Deposit HK$11.84M · loan HK$27.62M · min. income ≈ HK$267,760/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,152
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,911
−HK$3,813/mo
Today · 4.125%
HK$147,724
baseline
▲ 0.50% · 4.625%
HK$155,511
+HK$7,787/mo
Deposit HK$11.84M · loan HK$27.62M · min. income ≈ HK$295,448/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,975
−HK$10,157/mo
▼ 0.25% · 3.875%
HK$167,013
−HK$5,119/mo
Today · 4.125%
HK$172,132
baseline
▲ 0.50% · 4.625%
HK$182,606
+HK$10,474/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$344,264/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,195
−HK$9,736/mo
▼ 0.25% · 3.875%
HK$185,028
−HK$4,903/mo
Today · 4.125%
HK$189,931
baseline
▲ 0.50% · 4.625%
HK$199,942
+HK$10,011/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$379,862/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,182 · Scale 2, in force from 26 Feb 2026)