LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,974
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,742
−HK$2,812/mo
Today · 4.125%
HK$94,554
baseline
▲ 0.50% · 4.625%
HK$100,307
+HK$5,753/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$189,108/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,983
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,638
−HK$2,693/mo
Today · 4.125%
HK$104,331
baseline
▲ 0.50% · 4.625%
HK$109,830
+HK$5,499/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$208,662/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,769
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$110,090
−HK$3,375/mo
Today · 4.125%
HK$113,465
baseline
▲ 0.50% · 4.625%
HK$120,369
+HK$6,904/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$226,930/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,780
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$121,965
−HK$3,232/mo
Today · 4.125%
HK$125,197
baseline
▲ 0.50% · 4.625%
HK$131,796
+HK$6,599/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$250,394/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,564
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$128,439
−HK$3,936/mo
Today · 4.125%
HK$132,375
baseline
▲ 0.50% · 4.625%
HK$140,430
+HK$8,055/mo
Deposit HK$11.71M · loan HK$27.31M · min. income ≈ HK$264,750/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,576
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,293
−HK$3,770/mo
Today · 4.125%
HK$146,063
baseline
▲ 0.50% · 4.625%
HK$153,762
+HK$7,699/mo
Deposit HK$11.71M · loan HK$27.31M · min. income ≈ HK$292,126/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,154
−HK$10,043/mo
▼ 0.25% · 3.875%
HK$165,135
−HK$5,062/mo
Today · 4.125%
HK$170,197
baseline
▲ 0.50% · 4.625%
HK$180,553
+HK$10,356/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$340,394/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,169
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$182,948
−HK$4,847/mo
Today · 4.125%
HK$187,795
baseline
▲ 0.50% · 4.625%
HK$197,694
+HK$9,899/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$375,590/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,326 · Scale 2, in force from 26 Feb 2026)