LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,289
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$93,098
−HK$2,853/mo
Today · 4.125%
HK$95,951
baseline
▲ 0.50% · 4.625%
HK$101,789
+HK$5,838/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$191,902/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$1,682,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,446
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,140
−HK$2,732/mo
Today · 4.125%
HK$105,872
baseline
▲ 0.50% · 4.625%
HK$111,453
+HK$5,581/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$211,744/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$1,682,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,347
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$111,717
−HK$3,424/mo
Today · 4.125%
HK$115,141
baseline
▲ 0.50% · 4.625%
HK$122,147
+HK$7,006/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$230,282/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,682,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,535
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$123,767
−HK$3,280/mo
Today · 4.125%
HK$127,047
baseline
▲ 0.50% · 4.625%
HK$133,744
+HK$6,697/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$254,094/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,682,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,405
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$130,337
−HK$3,994/mo
Today · 4.125%
HK$134,331
baseline
▲ 0.50% · 4.625%
HK$142,505
+HK$8,174/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$268,662/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,682,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,624
−HK$7,597/mo
▼ 0.25% · 3.875%
HK$144,395
−HK$3,826/mo
Today · 4.125%
HK$148,221
baseline
▲ 0.50% · 4.625%
HK$156,034
+HK$7,813/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$296,442/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,682,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,520
−HK$10,192/mo
▼ 0.25% · 3.875%
HK$167,576
−HK$5,136/mo
Today · 4.125%
HK$172,712
baseline
▲ 0.50% · 4.625%
HK$183,221
+HK$10,509/mo
Deposit HK$3.96M · loan HK$35.64M · min. income ≈ HK$345,424/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,682,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,802
−HK$9,768/mo
▼ 0.25% · 3.875%
HK$185,651
−HK$4,919/mo
Today · 4.125%
HK$190,570
baseline
▲ 0.50% · 4.625%
HK$200,616
+HK$10,046/mo
Deposit HK$3.96M · loan HK$35.64M · min. income ≈ HK$381,140/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,682,831 · Scale 2, in force from 26 Feb 2026)