LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,383
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,194
−HK$2,856/mo
Today · 4.125%
HK$96,050
baseline
▲ 0.50% · 4.625%
HK$101,895
+HK$5,845/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$192,100/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$1,684,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,550
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$103,246
−HK$2,736/mo
Today · 4.125%
HK$105,982
baseline
▲ 0.50% · 4.625%
HK$111,569
+HK$5,587/mo
Deposit HK$19.82M · loan HK$19.82M · min. income ≈ HK$211,964/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$1,684,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,459
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$111,833
−HK$3,428/mo
Today · 4.125%
HK$115,261
baseline
▲ 0.50% · 4.625%
HK$122,274
+HK$7,013/mo
Deposit HK$15.85M · loan HK$23.78M · min. income ≈ HK$230,522/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,660
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,896
−HK$3,283/mo
Today · 4.125%
HK$127,179
baseline
▲ 0.50% · 4.625%
HK$133,882
+HK$6,703/mo
Deposit HK$15.85M · loan HK$23.78M · min. income ≈ HK$254,358/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,684,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,536
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$130,472
−HK$3,999/mo
Today · 4.125%
HK$134,471
baseline
▲ 0.50% · 4.625%
HK$142,653
+HK$8,182/mo
Deposit HK$11.89M · loan HK$27.75M · min. income ≈ HK$268,942/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,684,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,770
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$144,545
−HK$3,830/mo
Today · 4.125%
HK$148,375
baseline
▲ 0.50% · 4.625%
HK$156,196
+HK$7,821/mo
Deposit HK$11.89M · loan HK$27.75M · min. income ≈ HK$296,750/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,684,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,689
−HK$10,202/mo
▼ 0.25% · 3.875%
HK$167,749
−HK$5,142/mo
Today · 4.125%
HK$172,891
baseline
▲ 0.50% · 4.625%
HK$183,411
+HK$10,520/mo
Deposit HK$3.96M · loan HK$35.67M · min. income ≈ HK$345,782/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,990
−HK$9,778/mo
▼ 0.25% · 3.875%
HK$185,844
−HK$4,924/mo
Today · 4.125%
HK$190,768
baseline
▲ 0.50% · 4.625%
HK$200,824
+HK$10,056/mo
Deposit HK$3.96M · loan HK$35.67M · min. income ≈ HK$381,536/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,684,575 · Scale 2, in force from 26 Feb 2026)