LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,549
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,366
−HK$2,861/mo
Today · 4.125%
HK$96,227
baseline
▲ 0.50% · 4.625%
HK$102,082
+HK$5,855/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$192,454/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,735
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,436
−HK$2,741/mo
Today · 4.125%
HK$106,177
baseline
▲ 0.50% · 4.625%
HK$111,774
+HK$5,597/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$212,354/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,659
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$112,039
−HK$3,434/mo
Today · 4.125%
HK$115,473
baseline
▲ 0.50% · 4.625%
HK$122,499
+HK$7,026/mo
Deposit HK$15.88M · loan HK$23.83M · min. income ≈ HK$230,946/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,882
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,124
−HK$3,289/mo
Today · 4.125%
HK$127,413
baseline
▲ 0.50% · 4.625%
HK$134,129
+HK$6,716/mo
Deposit HK$15.88M · loan HK$23.83M · min. income ≈ HK$254,826/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,768
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$130,712
−HK$4,006/mo
Today · 4.125%
HK$134,718
baseline
▲ 0.50% · 4.625%
HK$142,915
+HK$8,197/mo
Deposit HK$11.91M · loan HK$27.80M · min. income ≈ HK$269,436/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,029
−HK$7,619/mo
▼ 0.25% · 3.875%
HK$144,811
−HK$3,837/mo
Today · 4.125%
HK$148,648
baseline
▲ 0.50% · 4.625%
HK$156,483
+HK$7,835/mo
Deposit HK$11.91M · loan HK$27.80M · min. income ≈ HK$297,296/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,988
−HK$10,221/mo
▼ 0.25% · 3.875%
HK$168,058
−HK$5,151/mo
Today · 4.125%
HK$173,209
baseline
▲ 0.50% · 4.625%
HK$183,748
+HK$10,539/mo
Deposit HK$3.97M · loan HK$35.74M · min. income ≈ HK$346,418/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,323
−HK$9,796/mo
▼ 0.25% · 3.875%
HK$186,186
−HK$4,933/mo
Today · 4.125%
HK$191,119
baseline
▲ 0.50% · 4.625%
HK$201,193
+HK$10,074/mo
Deposit HK$3.97M · loan HK$35.74M · min. income ≈ HK$382,238/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,674 · Scale 2, in force from 26 Feb 2026)