LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,127
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,931
−HK$2,848/mo
Today · 4.125%
HK$95,779
baseline
▲ 0.50% · 4.625%
HK$101,607
+HK$5,828/mo
Deposit HK$19.76M · loan HK$19.76M · min. income ≈ HK$191,558/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$1,679,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,266
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,955
−HK$2,728/mo
Today · 4.125%
HK$105,683
baseline
▲ 0.50% · 4.625%
HK$111,254
+HK$5,571/mo
Deposit HK$19.76M · loan HK$19.76M · min. income ≈ HK$211,366/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$1,679,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,153
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$111,517
−HK$3,418/mo
Today · 4.125%
HK$114,935
baseline
▲ 0.50% · 4.625%
HK$121,928
+HK$6,993/mo
Deposit HK$15.81M · loan HK$23.72M · min. income ≈ HK$229,870/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,679,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,319
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,546
−HK$3,273/mo
Today · 4.125%
HK$126,819
baseline
▲ 0.50% · 4.625%
HK$133,504
+HK$6,685/mo
Deposit HK$15.81M · loan HK$23.72M · min. income ≈ HK$253,638/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,679,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,178
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,103
−HK$3,988/mo
Today · 4.125%
HK$134,091
baseline
▲ 0.50% · 4.625%
HK$142,250
+HK$8,159/mo
Deposit HK$11.86M · loan HK$27.67M · min. income ≈ HK$268,182/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,679,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,372
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$144,137
−HK$3,819/mo
Today · 4.125%
HK$147,956
baseline
▲ 0.50% · 4.625%
HK$155,755
+HK$7,799/mo
Deposit HK$11.86M · loan HK$27.67M · min. income ≈ HK$295,912/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,679,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,229
−HK$10,173/mo
▼ 0.25% · 3.875%
HK$167,275
−HK$5,127/mo
Today · 4.125%
HK$172,402
baseline
▲ 0.50% · 4.625%
HK$182,893
+HK$10,491/mo
Deposit HK$3.95M · loan HK$35.57M · min. income ≈ HK$344,804/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,478
−HK$9,751/mo
▼ 0.25% · 3.875%
HK$185,319
−HK$4,910/mo
Today · 4.125%
HK$190,229
baseline
▲ 0.50% · 4.625%
HK$200,256
+HK$10,027/mo
Deposit HK$3.95M · loan HK$35.57M · min. income ≈ HK$380,458/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,817 · Scale 2, in force from 26 Feb 2026)