LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,185
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$92,991
−HK$2,850/mo
Today · 4.125%
HK$95,841
baseline
▲ 0.50% · 4.625%
HK$101,672
+HK$5,831/mo
Deposit HK$19.78M · loan HK$19.78M · min. income ≈ HK$191,682/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$1,680,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,330
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,021
−HK$2,730/mo
Today · 4.125%
HK$105,751
baseline
▲ 0.50% · 4.625%
HK$111,325
+HK$5,574/mo
Deposit HK$19.78M · loan HK$19.78M · min. income ≈ HK$211,502/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$1,680,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,222
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$111,589
−HK$3,420/mo
Today · 4.125%
HK$115,009
baseline
▲ 0.50% · 4.625%
HK$122,007
+HK$6,998/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$230,018/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,396
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,625
−HK$3,276/mo
Today · 4.125%
HK$126,901
baseline
▲ 0.50% · 4.625%
HK$133,590
+HK$6,689/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$253,802/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,259
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$130,187
−HK$3,990/mo
Today · 4.125%
HK$134,177
baseline
▲ 0.50% · 4.625%
HK$142,341
+HK$8,164/mo
Deposit HK$11.87M · loan HK$27.69M · min. income ≈ HK$268,354/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,680,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,462
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$144,229
−HK$3,822/mo
Today · 4.125%
HK$148,051
baseline
▲ 0.50% · 4.625%
HK$155,855
+HK$7,804/mo
Deposit HK$11.87M · loan HK$27.69M · min. income ≈ HK$296,102/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,680,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,334
−HK$10,179/mo
▼ 0.25% · 3.875%
HK$167,383
−HK$5,130/mo
Today · 4.125%
HK$172,513
baseline
▲ 0.50% · 4.625%
HK$183,010
+HK$10,497/mo
Deposit HK$3.96M · loan HK$35.60M · min. income ≈ HK$345,026/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,594
−HK$9,757/mo
▼ 0.25% · 3.875%
HK$185,438
−HK$4,913/mo
Today · 4.125%
HK$190,351
baseline
▲ 0.50% · 4.625%
HK$200,385
+HK$10,034/mo
Deposit HK$3.96M · loan HK$35.60M · min. income ≈ HK$380,702/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,897 · Scale 2, in force from 26 Feb 2026)