LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,072
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,874
−HK$2,847/mo
Today · 4.125%
HK$95,721
baseline
▲ 0.50% · 4.625%
HK$101,545
+HK$5,824/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$191,442/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,678,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,204
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,892
−HK$2,726/mo
Today · 4.125%
HK$105,618
baseline
▲ 0.50% · 4.625%
HK$111,186
+HK$5,568/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$211,236/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,678,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,087
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$111,449
−HK$3,416/mo
Today · 4.125%
HK$114,865
baseline
▲ 0.50% · 4.625%
HK$121,854
+HK$6,989/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$229,730/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,678,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,245
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$123,470
−HK$3,272/mo
Today · 4.125%
HK$126,742
baseline
▲ 0.50% · 4.625%
HK$133,423
+HK$6,681/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$253,484/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,678,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,101
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$130,024
−HK$3,985/mo
Today · 4.125%
HK$134,009
baseline
▲ 0.50% · 4.625%
HK$142,163
+HK$8,154/mo
Deposit HK$11.85M · loan HK$27.65M · min. income ≈ HK$268,018/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,286
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$144,049
−HK$3,817/mo
Today · 4.125%
HK$147,866
baseline
▲ 0.50% · 4.625%
HK$155,660
+HK$7,794/mo
Deposit HK$11.85M · loan HK$27.65M · min. income ≈ HK$295,732/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,130
−HK$10,167/mo
▼ 0.25% · 3.875%
HK$167,173
−HK$5,124/mo
Today · 4.125%
HK$172,297
baseline
▲ 0.50% · 4.625%
HK$182,781
+HK$10,484/mo
Deposit HK$3.95M · loan HK$35.55M · min. income ≈ HK$344,594/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,368
−HK$9,745/mo
▼ 0.25% · 3.875%
HK$185,205
−HK$4,908/mo
Today · 4.125%
HK$190,113
baseline
▲ 0.50% · 4.625%
HK$200,134
+HK$10,021/mo
Deposit HK$3.95M · loan HK$35.55M · min. income ≈ HK$380,226/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,790 · Scale 2, in force from 26 Feb 2026)