LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,100
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,903
−HK$2,847/mo
Today · 4.125%
HK$95,750
baseline
▲ 0.50% · 4.625%
HK$101,577
+HK$5,827/mo
Deposit HK$19.76M · loan HK$19.76M · min. income ≈ HK$191,500/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$1,679,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,236
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,924
−HK$2,727/mo
Today · 4.125%
HK$105,651
baseline
▲ 0.50% · 4.625%
HK$111,220
+HK$5,569/mo
Deposit HK$19.76M · loan HK$19.76M · min. income ≈ HK$211,302/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$1,679,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,120
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,484
−HK$3,417/mo
Today · 4.125%
HK$114,901
baseline
▲ 0.50% · 4.625%
HK$121,892
+HK$6,991/mo
Deposit HK$15.81M · loan HK$23.71M · min. income ≈ HK$229,802/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,679,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,283
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,509
−HK$3,272/mo
Today · 4.125%
HK$126,781
baseline
▲ 0.50% · 4.625%
HK$133,464
+HK$6,683/mo
Deposit HK$15.81M · loan HK$23.71M · min. income ≈ HK$253,562/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,679,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,141
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$130,064
−HK$3,987/mo
Today · 4.125%
HK$134,051
baseline
▲ 0.50% · 4.625%
HK$142,207
+HK$8,156/mo
Deposit HK$11.85M · loan HK$27.66M · min. income ≈ HK$268,102/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,679,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,330
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$144,094
−HK$3,818/mo
Today · 4.125%
HK$147,912
baseline
▲ 0.50% · 4.625%
HK$155,708
+HK$7,796/mo
Deposit HK$11.85M · loan HK$27.66M · min. income ≈ HK$295,824/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,679,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,181
−HK$10,170/mo
▼ 0.25% · 3.875%
HK$167,225
−HK$5,126/mo
Today · 4.125%
HK$172,351
baseline
▲ 0.50% · 4.625%
HK$182,838
+HK$10,487/mo
Deposit HK$3.95M · loan HK$35.56M · min. income ≈ HK$344,702/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,424
−HK$9,748/mo
▼ 0.25% · 3.875%
HK$185,263
−HK$4,909/mo
Today · 4.125%
HK$190,172
baseline
▲ 0.50% · 4.625%
HK$200,196
+HK$10,024/mo
Deposit HK$3.95M · loan HK$35.56M · min. income ≈ HK$380,344/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,314 · Scale 2, in force from 26 Feb 2026)