LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,170
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,975
−HK$2,849/mo
Today · 4.125%
HK$95,824
baseline
▲ 0.50% · 4.625%
HK$101,655
+HK$5,831/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$191,648/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,313
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,004
−HK$2,729/mo
Today · 4.125%
HK$105,733
baseline
▲ 0.50% · 4.625%
HK$111,306
+HK$5,573/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$211,466/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,204
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,570
−HK$3,419/mo
Today · 4.125%
HK$114,989
baseline
▲ 0.50% · 4.625%
HK$121,986
+HK$6,997/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$229,978/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,376
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,604
−HK$3,275/mo
Today · 4.125%
HK$126,879
baseline
▲ 0.50% · 4.625%
HK$133,567
+HK$6,688/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$253,758/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,238
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,165
−HK$3,989/mo
Today · 4.125%
HK$134,154
baseline
▲ 0.50% · 4.625%
HK$142,317
+HK$8,163/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$268,308/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,439
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$144,205
−HK$3,821/mo
Today · 4.125%
HK$148,026
baseline
▲ 0.50% · 4.625%
HK$155,829
+HK$7,803/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$296,052/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,306
−HK$10,178/mo
▼ 0.25% · 3.875%
HK$167,355
−HK$5,129/mo
Today · 4.125%
HK$172,484
baseline
▲ 0.50% · 4.625%
HK$182,979
+HK$10,495/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$344,968/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,680,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,564
−HK$9,755/mo
▼ 0.25% · 3.875%
HK$185,406
−HK$4,913/mo
Today · 4.125%
HK$190,319
baseline
▲ 0.50% · 4.625%
HK$200,351
+HK$10,032/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$380,638/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,680,613 · Scale 2, in force from 26 Feb 2026)