LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,171
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,976
−HK$2,850/mo
Today · 4.125%
HK$95,826
baseline
▲ 0.50% · 4.625%
HK$101,657
+HK$5,831/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$191,652/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,315
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,005
−HK$2,730/mo
Today · 4.125%
HK$105,735
baseline
▲ 0.50% · 4.625%
HK$111,308
+HK$5,573/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$211,470/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,206
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,572
−HK$3,419/mo
Today · 4.125%
HK$114,991
baseline
▲ 0.50% · 4.625%
HK$121,988
+HK$6,997/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$229,982/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,378
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,606
−HK$3,275/mo
Today · 4.125%
HK$126,881
baseline
▲ 0.50% · 4.625%
HK$133,570
+HK$6,689/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$253,762/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,240
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,167
−HK$3,989/mo
Today · 4.125%
HK$134,156
baseline
▲ 0.50% · 4.625%
HK$142,320
+HK$8,164/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$268,312/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,441
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$144,207
−HK$3,821/mo
Today · 4.125%
HK$148,028
baseline
▲ 0.50% · 4.625%
HK$155,831
+HK$7,803/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$296,056/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,309
−HK$10,178/mo
▼ 0.25% · 3.875%
HK$167,357
−HK$5,130/mo
Today · 4.125%
HK$172,487
baseline
▲ 0.50% · 4.625%
HK$182,982
+HK$10,495/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$344,974/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,567
−HK$9,755/mo
▼ 0.25% · 3.875%
HK$185,409
−HK$4,913/mo
Today · 4.125%
HK$190,322
baseline
▲ 0.50% · 4.625%
HK$200,354
+HK$10,032/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$380,644/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,639 · Scale 2, in force from 26 Feb 2026)