LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,380
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,191
−HK$2,856/mo
Today · 4.125%
HK$96,047
baseline
▲ 0.50% · 4.625%
HK$101,891
+HK$5,844/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$192,094/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$1,684,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,546
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,243
−HK$2,736/mo
Today · 4.125%
HK$105,979
baseline
▲ 0.50% · 4.625%
HK$111,565
+HK$5,586/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$211,958/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$1,684,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,456
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,829
−HK$3,428/mo
Today · 4.125%
HK$115,257
baseline
▲ 0.50% · 4.625%
HK$122,270
+HK$7,013/mo
Deposit HK$15.85M · loan HK$23.78M · min. income ≈ HK$230,514/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,656
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,892
−HK$3,282/mo
Today · 4.125%
HK$127,174
baseline
▲ 0.50% · 4.625%
HK$133,878
+HK$6,704/mo
Deposit HK$15.85M · loan HK$23.78M · min. income ≈ HK$254,348/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,531
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$130,467
−HK$3,999/mo
Today · 4.125%
HK$134,466
baseline
▲ 0.50% · 4.625%
HK$142,648
+HK$8,182/mo
Deposit HK$11.89M · loan HK$27.74M · min. income ≈ HK$268,932/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,684,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,765
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$144,540
−HK$3,830/mo
Today · 4.125%
HK$148,370
baseline
▲ 0.50% · 4.625%
HK$156,191
+HK$7,821/mo
Deposit HK$11.89M · loan HK$27.74M · min. income ≈ HK$296,740/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,684,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,683
−HK$10,202/mo
▼ 0.25% · 3.875%
HK$167,744
−HK$5,141/mo
Today · 4.125%
HK$172,885
baseline
▲ 0.50% · 4.625%
HK$183,405
+HK$10,520/mo
Deposit HK$3.96M · loan HK$35.67M · min. income ≈ HK$345,770/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,983
−HK$9,778/mo
▼ 0.25% · 3.875%
HK$185,837
−HK$4,924/mo
Today · 4.125%
HK$190,761
baseline
▲ 0.50% · 4.625%
HK$200,817
+HK$10,056/mo
Deposit HK$3.96M · loan HK$35.67M · min. income ≈ HK$381,522/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,518 · Scale 2, in force from 26 Feb 2026)