LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,485
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$93,299
−HK$2,860/mo
Today · 4.125%
HK$96,159
baseline
▲ 0.50% · 4.625%
HK$102,010
+HK$5,851/mo
Deposit HK$19.84M · loan HK$19.84M · min. income ≈ HK$192,318/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,663
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,363
−HK$2,739/mo
Today · 4.125%
HK$106,102
baseline
▲ 0.50% · 4.625%
HK$111,695
+HK$5,593/mo
Deposit HK$19.84M · loan HK$19.84M · min. income ≈ HK$212,204/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,582
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$111,959
−HK$3,432/mo
Today · 4.125%
HK$115,391
baseline
▲ 0.50% · 4.625%
HK$122,412
+HK$7,021/mo
Deposit HK$15.87M · loan HK$23.81M · min. income ≈ HK$230,782/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,796
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$124,036
−HK$3,286/mo
Today · 4.125%
HK$127,322
baseline
▲ 0.50% · 4.625%
HK$134,034
+HK$6,712/mo
Deposit HK$15.87M · loan HK$23.81M · min. income ≈ HK$254,644/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,679
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$130,619
−HK$4,003/mo
Today · 4.125%
HK$134,622
baseline
▲ 0.50% · 4.625%
HK$142,814
+HK$8,192/mo
Deposit HK$11.90M · loan HK$27.78M · min. income ≈ HK$269,244/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,929
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$144,708
−HK$3,835/mo
Today · 4.125%
HK$148,543
baseline
▲ 0.50% · 4.625%
HK$156,372
+HK$7,829/mo
Deposit HK$11.90M · loan HK$27.78M · min. income ≈ HK$297,086/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,872
−HK$10,214/mo
▼ 0.25% · 3.875%
HK$167,939
−HK$5,147/mo
Today · 4.125%
HK$173,086
baseline
▲ 0.50% · 4.625%
HK$183,618
+HK$10,532/mo
Deposit HK$3.97M · loan HK$35.71M · min. income ≈ HK$346,172/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,686,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,194
−HK$9,789/mo
▼ 0.25% · 3.875%
HK$186,053
−HK$4,930/mo
Today · 4.125%
HK$190,983
baseline
▲ 0.50% · 4.625%
HK$201,050
+HK$10,067/mo
Deposit HK$3.97M · loan HK$35.71M · min. income ≈ HK$381,966/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,686,477 · Scale 2, in force from 26 Feb 2026)