LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,453
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,267
−HK$2,859/mo
Today · 4.125%
HK$96,126
baseline
▲ 0.50% · 4.625%
HK$101,975
+HK$5,849/mo
Deposit HK$19.83M · loan HK$19.83M · min. income ≈ HK$192,252/mo (50% DSR)
Upfront cash ≈ HK$21.52M (deposit + AVD stamp duty HK$1,685,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,628
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$103,327
−HK$2,738/mo
Today · 4.125%
HK$106,065
baseline
▲ 0.50% · 4.625%
HK$111,656
+HK$5,591/mo
Deposit HK$19.83M · loan HK$19.83M · min. income ≈ HK$212,130/mo (50% DSR)
Upfront cash ≈ HK$21.52M (deposit + AVD stamp duty HK$1,685,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,544
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$111,920
−HK$3,431/mo
Today · 4.125%
HK$115,351
baseline
▲ 0.50% · 4.625%
HK$122,369
+HK$7,018/mo
Deposit HK$15.87M · loan HK$23.80M · min. income ≈ HK$230,702/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,685,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,754
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$123,993
−HK$3,285/mo
Today · 4.125%
HK$127,278
baseline
▲ 0.50% · 4.625%
HK$133,987
+HK$6,709/mo
Deposit HK$15.87M · loan HK$23.80M · min. income ≈ HK$254,556/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,685,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,635
−HK$7,941/mo
▼ 0.25% · 3.875%
HK$130,574
−HK$4,002/mo
Today · 4.125%
HK$134,576
baseline
▲ 0.50% · 4.625%
HK$142,764
+HK$8,188/mo
Deposit HK$11.90M · loan HK$27.77M · min. income ≈ HK$269,152/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,685,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,880
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$144,658
−HK$3,833/mo
Today · 4.125%
HK$148,491
baseline
▲ 0.50% · 4.625%
HK$156,318
+HK$7,827/mo
Deposit HK$11.90M · loan HK$27.77M · min. income ≈ HK$296,982/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,685,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,816
−HK$10,210/mo
▼ 0.25% · 3.875%
HK$167,880
−HK$5,146/mo
Today · 4.125%
HK$173,026
baseline
▲ 0.50% · 4.625%
HK$183,554
+HK$10,528/mo
Deposit HK$3.97M · loan HK$35.70M · min. income ≈ HK$346,052/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,685,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,131
−HK$9,786/mo
▼ 0.25% · 3.875%
HK$185,989
−HK$4,928/mo
Today · 4.125%
HK$190,917
baseline
▲ 0.50% · 4.625%
HK$200,981
+HK$10,064/mo
Deposit HK$3.97M · loan HK$35.70M · min. income ≈ HK$381,834/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,685,892 · Scale 2, in force from 26 Feb 2026)