LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,182
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,987
−HK$2,850/mo
Today · 4.125%
HK$95,837
baseline
▲ 0.50% · 4.625%
HK$101,668
+HK$5,831/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$191,674/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$1,680,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,326
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,017
−HK$2,730/mo
Today · 4.125%
HK$105,747
baseline
▲ 0.50% · 4.625%
HK$111,321
+HK$5,574/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$211,494/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$1,680,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,218
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,584
−HK$3,420/mo
Today · 4.125%
HK$115,004
baseline
▲ 0.50% · 4.625%
HK$122,002
+HK$6,998/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$230,008/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,392
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,620
−HK$3,276/mo
Today · 4.125%
HK$126,896
baseline
▲ 0.50% · 4.625%
HK$133,585
+HK$6,689/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$253,792/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,254
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$130,182
−HK$3,990/mo
Today · 4.125%
HK$134,172
baseline
▲ 0.50% · 4.625%
HK$142,336
+HK$8,164/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$268,344/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,680,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,457
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$144,224
−HK$3,821/mo
Today · 4.125%
HK$148,045
baseline
▲ 0.50% · 4.625%
HK$155,849
+HK$7,804/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$296,090/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,680,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,327
−HK$10,179/mo
▼ 0.25% · 3.875%
HK$167,376
−HK$5,130/mo
Today · 4.125%
HK$172,506
baseline
▲ 0.50% · 4.625%
HK$183,003
+HK$10,497/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$345,012/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,587
−HK$9,757/mo
▼ 0.25% · 3.875%
HK$185,431
−HK$4,913/mo
Today · 4.125%
HK$190,344
baseline
▲ 0.50% · 4.625%
HK$200,377
+HK$10,033/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$380,688/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,830 · Scale 2, in force from 26 Feb 2026)