LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,064
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,866
−HK$2,846/mo
Today · 4.125%
HK$95,712
baseline
▲ 0.50% · 4.625%
HK$101,536
+HK$5,824/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$191,424/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,678,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,196
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,883
−HK$2,726/mo
Today · 4.125%
HK$105,609
baseline
▲ 0.50% · 4.625%
HK$111,176
+HK$5,567/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$211,218/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,678,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,077
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$111,439
−HK$3,416/mo
Today · 4.125%
HK$114,855
baseline
▲ 0.50% · 4.625%
HK$121,843
+HK$6,988/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$229,710/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,678,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,235
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$123,459
−HK$3,272/mo
Today · 4.125%
HK$126,731
baseline
▲ 0.50% · 4.625%
HK$133,411
+HK$6,680/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$253,462/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,678,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,090
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$130,012
−HK$3,985/mo
Today · 4.125%
HK$133,997
baseline
▲ 0.50% · 4.625%
HK$142,150
+HK$8,153/mo
Deposit HK$11.85M · loan HK$27.65M · min. income ≈ HK$267,994/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,274
−HK$7,578/mo
▼ 0.25% · 3.875%
HK$144,036
−HK$3,816/mo
Today · 4.125%
HK$147,852
baseline
▲ 0.50% · 4.625%
HK$155,646
+HK$7,794/mo
Deposit HK$11.85M · loan HK$27.65M · min. income ≈ HK$295,704/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,116
−HK$10,166/mo
▼ 0.25% · 3.875%
HK$167,158
−HK$5,124/mo
Today · 4.125%
HK$172,282
baseline
▲ 0.50% · 4.625%
HK$182,765
+HK$10,483/mo
Deposit HK$3.95M · loan HK$35.55M · min. income ≈ HK$344,564/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,352
−HK$9,744/mo
▼ 0.25% · 3.875%
HK$185,189
−HK$4,907/mo
Today · 4.125%
HK$190,096
baseline
▲ 0.50% · 4.625%
HK$200,116
+HK$10,020/mo
Deposit HK$3.95M · loan HK$35.55M · min. income ≈ HK$380,192/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,641 · Scale 2, in force from 26 Feb 2026)