LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,073
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,875
−HK$2,847/mo
Today · 4.125%
HK$95,722
baseline
▲ 0.50% · 4.625%
HK$101,546
+HK$5,824/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$191,444/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,678,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,206
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,893
−HK$2,726/mo
Today · 4.125%
HK$105,619
baseline
▲ 0.50% · 4.625%
HK$111,187
+HK$5,568/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$211,238/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,678,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,088
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$111,450
−HK$3,416/mo
Today · 4.125%
HK$114,866
baseline
▲ 0.50% · 4.625%
HK$121,855
+HK$6,989/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$229,732/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,678,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,247
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$123,472
−HK$3,271/mo
Today · 4.125%
HK$126,743
baseline
▲ 0.50% · 4.625%
HK$133,424
+HK$6,681/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$253,486/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,678,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,102
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$130,025
−HK$3,985/mo
Today · 4.125%
HK$134,010
baseline
▲ 0.50% · 4.625%
HK$142,164
+HK$8,154/mo
Deposit HK$11.85M · loan HK$27.65M · min. income ≈ HK$268,020/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,288
−HK$7,579/mo
▼ 0.25% · 3.875%
HK$144,050
−HK$3,817/mo
Today · 4.125%
HK$147,867
baseline
▲ 0.50% · 4.625%
HK$155,661
+HK$7,794/mo
Deposit HK$11.85M · loan HK$27.65M · min. income ≈ HK$295,734/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,132
−HK$10,167/mo
▼ 0.25% · 3.875%
HK$167,175
−HK$5,124/mo
Today · 4.125%
HK$172,299
baseline
▲ 0.50% · 4.625%
HK$182,783
+HK$10,484/mo
Deposit HK$3.95M · loan HK$35.55M · min. income ≈ HK$344,598/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,370
−HK$9,745/mo
▼ 0.25% · 3.875%
HK$185,207
−HK$4,908/mo
Today · 4.125%
HK$190,115
baseline
▲ 0.50% · 4.625%
HK$200,136
+HK$10,021/mo
Deposit HK$3.95M · loan HK$35.55M · min. income ≈ HK$380,230/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,808 · Scale 2, in force from 26 Feb 2026)