LTV · monthly repayment
▼ 0.50% · 3.625%
HK$90,637
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,456
−HK$2,864/mo
Today · 4.125%
HK$96,320
baseline
▲ 0.50% · 4.625%
HK$102,181
+HK$5,861/mo
Deposit HK$19.87M · loan HK$19.87M · min. income ≈ HK$192,640/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$1,689,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,832
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$103,537
−HK$2,743/mo
Today · 4.125%
HK$106,280
baseline
▲ 0.50% · 4.625%
HK$111,882
+HK$5,602/mo
Deposit HK$19.87M · loan HK$19.87M · min. income ≈ HK$212,560/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$1,689,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,764
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,147
−HK$3,437/mo
Today · 4.125%
HK$115,584
baseline
▲ 0.50% · 4.625%
HK$122,617
+HK$7,033/mo
Deposit HK$15.90M · loan HK$23.85M · min. income ≈ HK$231,168/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,689,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,999
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,244
−HK$3,292/mo
Today · 4.125%
HK$127,536
baseline
▲ 0.50% · 4.625%
HK$134,259
+HK$6,723/mo
Deposit HK$15.90M · loan HK$23.85M · min. income ≈ HK$255,072/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,689,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,891
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$130,838
−HK$4,010/mo
Today · 4.125%
HK$134,848
baseline
▲ 0.50% · 4.625%
HK$143,054
+HK$8,206/mo
Deposit HK$11.92M · loan HK$27.82M · min. income ≈ HK$269,696/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,689,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,165
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$144,951
−HK$3,841/mo
Today · 4.125%
HK$148,792
baseline
▲ 0.50% · 4.625%
HK$156,635
+HK$7,843/mo
Deposit HK$11.92M · loan HK$27.82M · min. income ≈ HK$297,584/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,689,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,146
−HK$10,231/mo
▼ 0.25% · 3.875%
HK$168,221
−HK$5,156/mo
Today · 4.125%
HK$173,377
baseline
▲ 0.50% · 4.625%
HK$183,926
+HK$10,549/mo
Deposit HK$3.97M · loan HK$35.77M · min. income ≈ HK$346,754/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,689,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,498
−HK$9,806/mo
▼ 0.25% · 3.875%
HK$186,366
−HK$4,938/mo
Today · 4.125%
HK$191,304
baseline
▲ 0.50% · 4.625%
HK$201,388
+HK$10,084/mo
Deposit HK$3.97M · loan HK$35.77M · min. income ≈ HK$382,608/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,689,309 · Scale 2, in force from 26 Feb 2026)