LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,608
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$93,426
−HK$2,864/mo
Today · 4.125%
HK$96,290
baseline
▲ 0.50% · 4.625%
HK$102,149
+HK$5,859/mo
Deposit HK$19.87M · loan HK$19.87M · min. income ≈ HK$192,580/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$1,688,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,800
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$103,504
−HK$2,742/mo
Today · 4.125%
HK$106,246
baseline
▲ 0.50% · 4.625%
HK$111,847
+HK$5,601/mo
Deposit HK$19.87M · loan HK$19.87M · min. income ≈ HK$212,492/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$1,688,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,729
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$112,112
−HK$3,436/mo
Today · 4.125%
HK$115,548
baseline
▲ 0.50% · 4.625%
HK$122,579
+HK$7,031/mo
Deposit HK$15.89M · loan HK$23.84M · min. income ≈ HK$231,096/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,688,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,960
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$124,205
−HK$3,291/mo
Today · 4.125%
HK$127,496
baseline
▲ 0.50% · 4.625%
HK$134,216
+HK$6,720/mo
Deposit HK$15.89M · loan HK$23.84M · min. income ≈ HK$254,992/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,688,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,851
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$130,797
−HK$4,009/mo
Today · 4.125%
HK$134,806
baseline
▲ 0.50% · 4.625%
HK$143,008
+HK$8,202/mo
Deposit HK$11.92M · loan HK$27.82M · min. income ≈ HK$269,612/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,688,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,120
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$144,905
−HK$3,840/mo
Today · 4.125%
HK$148,745
baseline
▲ 0.50% · 4.625%
HK$156,585
+HK$7,840/mo
Deposit HK$11.92M · loan HK$27.82M · min. income ≈ HK$297,490/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,688,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,094
−HK$10,228/mo
▼ 0.25% · 3.875%
HK$168,167
−HK$5,155/mo
Today · 4.125%
HK$173,322
baseline
▲ 0.50% · 4.625%
HK$183,868
+HK$10,546/mo
Deposit HK$3.97M · loan HK$35.76M · min. income ≈ HK$346,644/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,688,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,441
−HK$9,802/mo
▼ 0.25% · 3.875%
HK$186,307
−HK$4,936/mo
Today · 4.125%
HK$191,243
baseline
▲ 0.50% · 4.625%
HK$201,324
+HK$10,081/mo
Deposit HK$3.97M · loan HK$35.76M · min. income ≈ HK$382,486/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,688,773 · Scale 2, in force from 26 Feb 2026)