LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,490
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,305
−HK$2,860/mo
Today · 4.125%
HK$96,165
baseline
▲ 0.50% · 4.625%
HK$102,016
+HK$5,851/mo
Deposit HK$19.84M · loan HK$19.84M · min. income ≈ HK$192,330/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,670
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,370
−HK$2,739/mo
Today · 4.125%
HK$106,109
baseline
▲ 0.50% · 4.625%
HK$111,702
+HK$5,593/mo
Deposit HK$19.84M · loan HK$19.84M · min. income ≈ HK$212,218/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,589
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$111,966
−HK$3,432/mo
Today · 4.125%
HK$115,398
baseline
▲ 0.50% · 4.625%
HK$122,420
+HK$7,022/mo
Deposit HK$15.87M · loan HK$23.81M · min. income ≈ HK$230,796/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,804
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$124,044
−HK$3,286/mo
Today · 4.125%
HK$127,330
baseline
▲ 0.50% · 4.625%
HK$134,042
+HK$6,712/mo
Deposit HK$15.87M · loan HK$23.81M · min. income ≈ HK$254,660/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,687
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$130,627
−HK$4,004/mo
Today · 4.125%
HK$134,631
baseline
▲ 0.50% · 4.625%
HK$142,823
+HK$8,192/mo
Deposit HK$11.91M · loan HK$27.78M · min. income ≈ HK$269,262/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,938
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$144,718
−HK$3,834/mo
Today · 4.125%
HK$148,552
baseline
▲ 0.50% · 4.625%
HK$156,382
+HK$7,830/mo
Deposit HK$11.91M · loan HK$27.78M · min. income ≈ HK$297,104/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,883
−HK$10,214/mo
▼ 0.25% · 3.875%
HK$167,949
−HK$5,148/mo
Today · 4.125%
HK$173,097
baseline
▲ 0.50% · 4.625%
HK$183,630
+HK$10,533/mo
Deposit HK$3.97M · loan HK$35.72M · min. income ≈ HK$346,194/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,686,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,206
−HK$9,790/mo
▼ 0.25% · 3.875%
HK$186,065
−HK$4,931/mo
Today · 4.125%
HK$190,996
baseline
▲ 0.50% · 4.625%
HK$201,063
+HK$10,067/mo
Deposit HK$3.97M · loan HK$35.72M · min. income ≈ HK$381,992/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,686,585 · Scale 2, in force from 26 Feb 2026)