LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,593
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,411
−HK$2,863/mo
Today · 4.125%
HK$96,274
baseline
▲ 0.50% · 4.625%
HK$102,132
+HK$5,858/mo
Deposit HK$19.86M · loan HK$19.86M · min. income ≈ HK$192,548/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$1,688,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,784
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,487
−HK$2,742/mo
Today · 4.125%
HK$106,229
baseline
▲ 0.50% · 4.625%
HK$111,829
+HK$5,600/mo
Deposit HK$19.86M · loan HK$19.86M · min. income ≈ HK$212,458/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$1,688,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,712
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,094
−HK$3,435/mo
Today · 4.125%
HK$115,529
baseline
▲ 0.50% · 4.625%
HK$122,559
+HK$7,030/mo
Deposit HK$15.89M · loan HK$23.84M · min. income ≈ HK$231,058/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,688,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,941
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,185
−HK$3,290/mo
Today · 4.125%
HK$127,475
baseline
▲ 0.50% · 4.625%
HK$134,195
+HK$6,720/mo
Deposit HK$15.89M · loan HK$23.84M · min. income ≈ HK$254,950/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,688,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,831
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$130,776
−HK$4,008/mo
Today · 4.125%
HK$134,784
baseline
▲ 0.50% · 4.625%
HK$142,985
+HK$8,201/mo
Deposit HK$11.92M · loan HK$27.81M · min. income ≈ HK$269,568/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,688,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,098
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$144,882
−HK$3,839/mo
Today · 4.125%
HK$148,721
baseline
▲ 0.50% · 4.625%
HK$156,560
+HK$7,839/mo
Deposit HK$11.92M · loan HK$27.81M · min. income ≈ HK$297,442/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,688,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,068
−HK$10,226/mo
▼ 0.25% · 3.875%
HK$168,141
−HK$5,153/mo
Today · 4.125%
HK$173,294
baseline
▲ 0.50% · 4.625%
HK$183,838
+HK$10,544/mo
Deposit HK$3.97M · loan HK$35.76M · min. income ≈ HK$346,588/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,688,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,412
−HK$9,801/mo
▼ 0.25% · 3.875%
HK$186,277
−HK$4,936/mo
Today · 4.125%
HK$191,213
baseline
▲ 0.50% · 4.625%
HK$201,292
+HK$10,079/mo
Deposit HK$3.97M · loan HK$35.76M · min. income ≈ HK$382,426/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,688,504 · Scale 2, in force from 26 Feb 2026)