LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,308
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$93,117
−HK$2,854/mo
Today · 4.125%
HK$95,971
baseline
▲ 0.50% · 4.625%
HK$101,811
+HK$5,840/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$191,942/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,467
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$103,161
−HK$2,734/mo
Today · 4.125%
HK$105,895
baseline
▲ 0.50% · 4.625%
HK$111,476
+HK$5,581/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$211,790/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,370
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$111,740
−HK$3,425/mo
Today · 4.125%
HK$115,165
baseline
▲ 0.50% · 4.625%
HK$122,173
+HK$7,008/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$230,330/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,683,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,560
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,793
−HK$3,281/mo
Today · 4.125%
HK$127,074
baseline
▲ 0.50% · 4.625%
HK$133,772
+HK$6,698/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$254,148/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,683,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,431
−HK$7,929/mo
▼ 0.25% · 3.875%
HK$130,364
−HK$3,996/mo
Today · 4.125%
HK$134,360
baseline
▲ 0.50% · 4.625%
HK$142,535
+HK$8,175/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$268,720/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,683,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,653
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$144,426
−HK$3,826/mo
Today · 4.125%
HK$148,252
baseline
▲ 0.50% · 4.625%
HK$156,067
+HK$7,815/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$296,504/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,683,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,554
−HK$10,194/mo
▼ 0.25% · 3.875%
HK$167,611
−HK$5,137/mo
Today · 4.125%
HK$172,748
baseline
▲ 0.50% · 4.625%
HK$183,259
+HK$10,511/mo
Deposit HK$3.96M · loan HK$35.64M · min. income ≈ HK$345,496/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,840
−HK$9,770/mo
▼ 0.25% · 3.875%
HK$185,690
−HK$4,920/mo
Today · 4.125%
HK$190,610
baseline
▲ 0.50% · 4.625%
HK$200,658
+HK$10,048/mo
Deposit HK$3.96M · loan HK$35.64M · min. income ≈ HK$381,220/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,184 · Scale 2, in force from 26 Feb 2026)