LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,458
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$93,271
−HK$2,859/mo
Today · 4.125%
HK$96,130
baseline
▲ 0.50% · 4.625%
HK$101,979
+HK$5,849/mo
Deposit HK$19.83M · loan HK$19.83M · min. income ≈ HK$192,260/mo (50% DSR)
Upfront cash ≈ HK$21.52M (deposit + AVD stamp duty HK$1,685,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,633
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$103,332
−HK$2,738/mo
Today · 4.125%
HK$106,070
baseline
▲ 0.50% · 4.625%
HK$111,661
+HK$5,591/mo
Deposit HK$19.83M · loan HK$19.83M · min. income ≈ HK$212,140/mo (50% DSR)
Upfront cash ≈ HK$21.52M (deposit + AVD stamp duty HK$1,685,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,549
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$111,926
−HK$3,430/mo
Today · 4.125%
HK$115,356
baseline
▲ 0.50% · 4.625%
HK$122,375
+HK$7,019/mo
Deposit HK$15.87M · loan HK$23.80M · min. income ≈ HK$230,712/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,685,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,760
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$123,999
−HK$3,285/mo
Today · 4.125%
HK$127,284
baseline
▲ 0.50% · 4.625%
HK$133,993
+HK$6,709/mo
Deposit HK$15.87M · loan HK$23.80M · min. income ≈ HK$254,568/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,685,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,641
−HK$7,941/mo
▼ 0.25% · 3.875%
HK$130,580
−HK$4,002/mo
Today · 4.125%
HK$134,582
baseline
▲ 0.50% · 4.625%
HK$142,771
+HK$8,189/mo
Deposit HK$11.90M · loan HK$27.77M · min. income ≈ HK$269,164/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,685,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,887
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$144,665
−HK$3,833/mo
Today · 4.125%
HK$148,498
baseline
▲ 0.50% · 4.625%
HK$156,326
+HK$7,828/mo
Deposit HK$11.90M · loan HK$27.77M · min. income ≈ HK$296,996/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,685,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,824
−HK$10,210/mo
▼ 0.25% · 3.875%
HK$167,889
−HK$5,145/mo
Today · 4.125%
HK$173,034
baseline
▲ 0.50% · 4.625%
HK$183,563
+HK$10,529/mo
Deposit HK$3.97M · loan HK$35.70M · min. income ≈ HK$346,068/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,685,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,140
−HK$9,786/mo
▼ 0.25% · 3.875%
HK$185,998
−HK$4,928/mo
Today · 4.125%
HK$190,926
baseline
▲ 0.50% · 4.625%
HK$200,990
+HK$10,064/mo
Deposit HK$3.97M · loan HK$35.70M · min. income ≈ HK$381,852/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,685,973 · Scale 2, in force from 26 Feb 2026)