LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,288
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$93,096
−HK$2,854/mo
Today · 4.125%
HK$95,950
baseline
▲ 0.50% · 4.625%
HK$101,788
+HK$5,838/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$191,900/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$1,682,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,444
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$103,138
−HK$2,733/mo
Today · 4.125%
HK$105,871
baseline
▲ 0.50% · 4.625%
HK$111,452
+HK$5,581/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$211,742/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$1,682,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,346
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$111,716
−HK$3,424/mo
Today · 4.125%
HK$115,140
baseline
▲ 0.50% · 4.625%
HK$122,146
+HK$7,006/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$230,280/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,682,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,533
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$123,766
−HK$3,279/mo
Today · 4.125%
HK$127,045
baseline
▲ 0.50% · 4.625%
HK$133,742
+HK$6,697/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$254,090/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,682,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,403
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$130,335
−HK$3,995/mo
Today · 4.125%
HK$134,330
baseline
▲ 0.50% · 4.625%
HK$142,503
+HK$8,173/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$268,660/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,682,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,622
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$144,394
−HK$3,826/mo
Today · 4.125%
HK$148,220
baseline
▲ 0.50% · 4.625%
HK$156,032
+HK$7,812/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$296,440/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,682,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,518
−HK$10,192/mo
▼ 0.25% · 3.875%
HK$167,574
−HK$5,136/mo
Today · 4.125%
HK$172,710
baseline
▲ 0.50% · 4.625%
HK$183,219
+HK$10,509/mo
Deposit HK$3.96M · loan HK$35.64M · min. income ≈ HK$345,420/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,682,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,800
−HK$9,768/mo
▼ 0.25% · 3.875%
HK$185,649
−HK$4,919/mo
Today · 4.125%
HK$190,568
baseline
▲ 0.50% · 4.625%
HK$200,613
+HK$10,045/mo
Deposit HK$3.96M · loan HK$35.64M · min. income ≈ HK$381,136/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,682,810 · Scale 2, in force from 26 Feb 2026)