LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,346
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,156
−HK$2,855/mo
Today · 4.125%
HK$96,011
baseline
▲ 0.50% · 4.625%
HK$101,853
+HK$5,842/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$192,022/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,508
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,204
−HK$2,735/mo
Today · 4.125%
HK$105,939
baseline
▲ 0.50% · 4.625%
HK$111,523
+HK$5,584/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$211,878/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,415
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$111,787
−HK$3,426/mo
Today · 4.125%
HK$115,213
baseline
▲ 0.50% · 4.625%
HK$122,224
+HK$7,011/mo
Deposit HK$15.85M · loan HK$23.77M · min. income ≈ HK$230,426/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,610
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$123,845
−HK$3,281/mo
Today · 4.125%
HK$127,126
baseline
▲ 0.50% · 4.625%
HK$133,827
+HK$6,701/mo
Deposit HK$15.85M · loan HK$23.77M · min. income ≈ HK$254,252/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,484
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$130,418
−HK$3,997/mo
Today · 4.125%
HK$134,415
baseline
▲ 0.50% · 4.625%
HK$142,594
+HK$8,179/mo
Deposit HK$11.89M · loan HK$27.73M · min. income ≈ HK$268,830/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,712
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$144,486
−HK$3,828/mo
Today · 4.125%
HK$148,314
baseline
▲ 0.50% · 4.625%
HK$156,132
+HK$7,818/mo
Deposit HK$11.89M · loan HK$27.73M · min. income ≈ HK$296,628/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,622
−HK$10,198/mo
▼ 0.25% · 3.875%
HK$167,680
−HK$5,140/mo
Today · 4.125%
HK$172,820
baseline
▲ 0.50% · 4.625%
HK$183,335
+HK$10,515/mo
Deposit HK$3.96M · loan HK$35.66M · min. income ≈ HK$345,640/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,683,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,915
−HK$9,775/mo
▼ 0.25% · 3.875%
HK$185,767
−HK$4,923/mo
Today · 4.125%
HK$190,690
baseline
▲ 0.50% · 4.625%
HK$200,741
+HK$10,051/mo
Deposit HK$3.96M · loan HK$35.66M · min. income ≈ HK$381,380/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,683,883 · Scale 2, in force from 26 Feb 2026)