LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,499
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,314
−HK$2,860/mo
Today · 4.125%
HK$96,174
baseline
▲ 0.50% · 4.625%
HK$102,026
+HK$5,852/mo
Deposit HK$19.84M · loan HK$19.84M · min. income ≈ HK$192,348/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,679
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,379
−HK$2,739/mo
Today · 4.125%
HK$106,118
baseline
▲ 0.50% · 4.625%
HK$111,712
+HK$5,594/mo
Deposit HK$19.84M · loan HK$19.84M · min. income ≈ HK$212,236/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,599
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$111,977
−HK$3,432/mo
Today · 4.125%
HK$115,409
baseline
▲ 0.50% · 4.625%
HK$122,431
+HK$7,022/mo
Deposit HK$15.88M · loan HK$23.81M · min. income ≈ HK$230,818/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,815
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$124,055
−HK$3,287/mo
Today · 4.125%
HK$127,342
baseline
▲ 0.50% · 4.625%
HK$134,055
+HK$6,713/mo
Deposit HK$15.88M · loan HK$23.81M · min. income ≈ HK$254,684/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,698
−HK$7,946/mo
▼ 0.25% · 3.875%
HK$130,639
−HK$4,005/mo
Today · 4.125%
HK$134,644
baseline
▲ 0.50% · 4.625%
HK$142,836
+HK$8,192/mo
Deposit HK$11.91M · loan HK$27.78M · min. income ≈ HK$269,288/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,951
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$144,731
−HK$3,835/mo
Today · 4.125%
HK$148,566
baseline
▲ 0.50% · 4.625%
HK$156,397
+HK$7,831/mo
Deposit HK$11.91M · loan HK$27.78M · min. income ≈ HK$297,132/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,898
−HK$10,215/mo
▼ 0.25% · 3.875%
HK$167,965
−HK$5,148/mo
Today · 4.125%
HK$173,113
baseline
▲ 0.50% · 4.625%
HK$183,647
+HK$10,534/mo
Deposit HK$3.97M · loan HK$35.72M · min. income ≈ HK$346,226/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,686,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,222
−HK$9,791/mo
▼ 0.25% · 3.875%
HK$186,083
−HK$4,930/mo
Today · 4.125%
HK$191,013
baseline
▲ 0.50% · 4.625%
HK$201,082
+HK$10,069/mo
Deposit HK$3.97M · loan HK$35.72M · min. income ≈ HK$382,026/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,686,741 · Scale 2, in force from 26 Feb 2026)