LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,609
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$93,427
−HK$2,864/mo
Today · 4.125%
HK$96,291
baseline
▲ 0.50% · 4.625%
HK$102,150
+HK$5,859/mo
Deposit HK$19.87M · loan HK$19.87M · min. income ≈ HK$192,582/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$1,688,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,802
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$103,505
−HK$2,743/mo
Today · 4.125%
HK$106,248
baseline
▲ 0.50% · 4.625%
HK$111,848
+HK$5,600/mo
Deposit HK$19.87M · loan HK$19.87M · min. income ≈ HK$212,496/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$1,688,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,731
−HK$6,818/mo
▼ 0.25% · 3.875%
HK$112,113
−HK$3,436/mo
Today · 4.125%
HK$115,549
baseline
▲ 0.50% · 4.625%
HK$122,580
+HK$7,031/mo
Deposit HK$15.89M · loan HK$23.84M · min. income ≈ HK$231,098/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,688,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,962
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$124,206
−HK$3,291/mo
Today · 4.125%
HK$127,497
baseline
▲ 0.50% · 4.625%
HK$134,218
+HK$6,721/mo
Deposit HK$15.89M · loan HK$23.84M · min. income ≈ HK$254,994/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,688,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,853
−HK$7,954/mo
▼ 0.25% · 3.875%
HK$130,798
−HK$4,009/mo
Today · 4.125%
HK$134,807
baseline
▲ 0.50% · 4.625%
HK$143,010
+HK$8,203/mo
Deposit HK$11.92M · loan HK$27.82M · min. income ≈ HK$269,614/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,688,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,122
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$144,907
−HK$3,840/mo
Today · 4.125%
HK$148,747
baseline
▲ 0.50% · 4.625%
HK$156,587
+HK$7,840/mo
Deposit HK$11.92M · loan HK$27.82M · min. income ≈ HK$297,494/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,688,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,096
−HK$10,228/mo
▼ 0.25% · 3.875%
HK$168,169
−HK$5,155/mo
Today · 4.125%
HK$173,324
baseline
▲ 0.50% · 4.625%
HK$183,870
+HK$10,546/mo
Deposit HK$3.97M · loan HK$35.76M · min. income ≈ HK$346,648/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,688,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,443
−HK$9,803/mo
▼ 0.25% · 3.875%
HK$186,309
−HK$4,937/mo
Today · 4.125%
HK$191,246
baseline
▲ 0.50% · 4.625%
HK$201,327
+HK$10,081/mo
Deposit HK$3.97M · loan HK$35.76M · min. income ≈ HK$382,492/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,688,795 · Scale 2, in force from 26 Feb 2026)