LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,502
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,317
−HK$2,860/mo
Today · 4.125%
HK$96,177
baseline
▲ 0.50% · 4.625%
HK$102,029
+HK$5,852/mo
Deposit HK$19.84M · loan HK$19.84M · min. income ≈ HK$192,354/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,682
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,383
−HK$2,739/mo
Today · 4.125%
HK$106,122
baseline
▲ 0.50% · 4.625%
HK$111,716
+HK$5,594/mo
Deposit HK$19.84M · loan HK$19.84M · min. income ≈ HK$212,244/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$1,686,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,602
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,980
−HK$3,433/mo
Today · 4.125%
HK$115,413
baseline
▲ 0.50% · 4.625%
HK$122,435
+HK$7,022/mo
Deposit HK$15.88M · loan HK$23.81M · min. income ≈ HK$230,826/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,819
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$124,059
−HK$3,287/mo
Today · 4.125%
HK$127,346
baseline
▲ 0.50% · 4.625%
HK$134,059
+HK$6,713/mo
Deposit HK$15.88M · loan HK$23.81M · min. income ≈ HK$254,692/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,686,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,703
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$130,644
−HK$4,004/mo
Today · 4.125%
HK$134,648
baseline
▲ 0.50% · 4.625%
HK$142,841
+HK$8,193/mo
Deposit HK$11.91M · loan HK$27.78M · min. income ≈ HK$269,296/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,955
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$144,736
−HK$3,835/mo
Today · 4.125%
HK$148,571
baseline
▲ 0.50% · 4.625%
HK$156,402
+HK$7,831/mo
Deposit HK$11.91M · loan HK$27.78M · min. income ≈ HK$297,142/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,686,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,903
−HK$10,216/mo
▼ 0.25% · 3.875%
HK$167,971
−HK$5,148/mo
Today · 4.125%
HK$173,119
baseline
▲ 0.50% · 4.625%
HK$183,653
+HK$10,534/mo
Deposit HK$3.97M · loan HK$35.72M · min. income ≈ HK$346,238/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,686,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,228
−HK$9,792/mo
▼ 0.25% · 3.875%
HK$186,089
−HK$4,931/mo
Today · 4.125%
HK$191,020
baseline
▲ 0.50% · 4.625%
HK$201,088
+HK$10,068/mo
Deposit HK$3.97M · loan HK$35.72M · min. income ≈ HK$382,040/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,686,797 · Scale 2, in force from 26 Feb 2026)