LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,432
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$93,245
−HK$2,858/mo
Today · 4.125%
HK$96,103
baseline
▲ 0.50% · 4.625%
HK$101,951
+HK$5,848/mo
Deposit HK$19.83M · loan HK$19.83M · min. income ≈ HK$192,206/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$1,685,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,605
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$103,303
−HK$2,737/mo
Today · 4.125%
HK$106,040
baseline
▲ 0.50% · 4.625%
HK$111,630
+HK$5,590/mo
Deposit HK$19.83M · loan HK$19.83M · min. income ≈ HK$212,080/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$1,685,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,519
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$111,894
−HK$3,430/mo
Today · 4.125%
HK$115,324
baseline
▲ 0.50% · 4.625%
HK$122,341
+HK$7,017/mo
Deposit HK$15.86M · loan HK$23.80M · min. income ≈ HK$230,648/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,685,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,726
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,964
−HK$3,284/mo
Today · 4.125%
HK$127,248
baseline
▲ 0.50% · 4.625%
HK$133,956
+HK$6,708/mo
Deposit HK$15.86M · loan HK$23.80M · min. income ≈ HK$254,496/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,685,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,605
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$130,543
−HK$4,001/mo
Today · 4.125%
HK$134,544
baseline
▲ 0.50% · 4.625%
HK$142,731
+HK$8,187/mo
Deposit HK$11.90M · loan HK$27.76M · min. income ≈ HK$269,088/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,685,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,847
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$144,624
−HK$3,832/mo
Today · 4.125%
HK$148,456
baseline
▲ 0.50% · 4.625%
HK$156,282
+HK$7,826/mo
Deposit HK$11.90M · loan HK$27.76M · min. income ≈ HK$296,912/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,685,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,778
−HK$10,207/mo
▼ 0.25% · 3.875%
HK$167,841
−HK$5,144/mo
Today · 4.125%
HK$172,985
baseline
▲ 0.50% · 4.625%
HK$183,511
+HK$10,526/mo
Deposit HK$3.97M · loan HK$35.69M · min. income ≈ HK$345,970/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,685,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,089
−HK$9,783/mo
▼ 0.25% · 3.875%
HK$185,945
−HK$4,927/mo
Today · 4.125%
HK$190,872
baseline
▲ 0.50% · 4.625%
HK$200,933
+HK$10,061/mo
Deposit HK$3.97M · loan HK$35.69M · min. income ≈ HK$381,744/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,685,497 · Scale 2, in force from 26 Feb 2026)