LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,348
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,158
−HK$2,855/mo
Today · 4.125%
HK$96,013
baseline
▲ 0.50% · 4.625%
HK$101,855
+HK$5,842/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$192,026/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,511
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,206
−HK$2,735/mo
Today · 4.125%
HK$105,941
baseline
▲ 0.50% · 4.625%
HK$111,525
+HK$5,584/mo
Deposit HK$19.81M · loan HK$19.81M · min. income ≈ HK$211,882/mo (50% DSR)
Upfront cash ≈ HK$21.49M (deposit + AVD stamp duty HK$1,683,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,417
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$111,790
−HK$3,426/mo
Today · 4.125%
HK$115,216
baseline
▲ 0.50% · 4.625%
HK$122,226
+HK$7,010/mo
Deposit HK$15.85M · loan HK$23.77M · min. income ≈ HK$230,432/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,613
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$123,848
−HK$3,281/mo
Today · 4.125%
HK$127,129
baseline
▲ 0.50% · 4.625%
HK$133,831
+HK$6,702/mo
Deposit HK$15.85M · loan HK$23.77M · min. income ≈ HK$254,258/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,683,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,487
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$130,421
−HK$3,998/mo
Today · 4.125%
HK$134,419
baseline
▲ 0.50% · 4.625%
HK$142,598
+HK$8,179/mo
Deposit HK$11.89M · loan HK$27.74M · min. income ≈ HK$268,838/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,715
−HK$7,603/mo
▼ 0.25% · 3.875%
HK$144,489
−HK$3,829/mo
Today · 4.125%
HK$148,318
baseline
▲ 0.50% · 4.625%
HK$156,136
+HK$7,818/mo
Deposit HK$11.89M · loan HK$27.74M · min. income ≈ HK$296,636/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,683,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,626
−HK$10,198/mo
▼ 0.25% · 3.875%
HK$167,684
−HK$5,140/mo
Today · 4.125%
HK$172,824
baseline
▲ 0.50% · 4.625%
HK$183,340
+HK$10,516/mo
Deposit HK$3.96M · loan HK$35.66M · min. income ≈ HK$345,648/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,683,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,920
−HK$9,774/mo
▼ 0.25% · 3.875%
HK$185,772
−HK$4,922/mo
Today · 4.125%
HK$190,694
baseline
▲ 0.50% · 4.625%
HK$200,746
+HK$10,052/mo
Deposit HK$3.96M · loan HK$35.66M · min. income ≈ HK$381,388/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,683,923 · Scale 2, in force from 26 Feb 2026)