LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,283
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$93,091
−HK$2,853/mo
Today · 4.125%
HK$95,944
baseline
▲ 0.50% · 4.625%
HK$101,782
+HK$5,838/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$191,888/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$1,682,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,438
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$103,132
−HK$2,733/mo
Today · 4.125%
HK$105,865
baseline
▲ 0.50% · 4.625%
HK$111,445
+HK$5,580/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$211,730/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$1,682,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,339
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$111,709
−HK$3,424/mo
Today · 4.125%
HK$115,133
baseline
▲ 0.50% · 4.625%
HK$122,138
+HK$7,005/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$230,266/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,682,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,526
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$123,759
−HK$3,279/mo
Today · 4.125%
HK$127,038
baseline
▲ 0.50% · 4.625%
HK$133,734
+HK$6,696/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$254,076/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,682,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,396
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$130,327
−HK$3,995/mo
Today · 4.125%
HK$134,322
baseline
▲ 0.50% · 4.625%
HK$142,495
+HK$8,173/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$268,644/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,682,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,614
−HK$7,597/mo
▼ 0.25% · 3.875%
HK$144,385
−HK$3,826/mo
Today · 4.125%
HK$148,211
baseline
▲ 0.50% · 4.625%
HK$156,023
+HK$7,812/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$296,422/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,682,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,509
−HK$10,190/mo
▼ 0.25% · 3.875%
HK$167,564
−HK$5,135/mo
Today · 4.125%
HK$172,699
baseline
▲ 0.50% · 4.625%
HK$183,208
+HK$10,509/mo
Deposit HK$3.96M · loan HK$35.63M · min. income ≈ HK$345,398/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,682,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,789
−HK$9,768/mo
▼ 0.25% · 3.875%
HK$185,638
−HK$4,919/mo
Today · 4.125%
HK$190,557
baseline
▲ 0.50% · 4.625%
HK$200,601
+HK$10,044/mo
Deposit HK$3.96M · loan HK$35.63M · min. income ≈ HK$381,114/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,682,710 · Scale 2, in force from 26 Feb 2026)