LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,978
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,745
−HK$2,812/mo
Today · 4.125%
HK$94,557
baseline
▲ 0.50% · 4.625%
HK$100,311
+HK$5,754/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$189,114/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,987
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,641
−HK$2,694/mo
Today · 4.125%
HK$104,335
baseline
▲ 0.50% · 4.625%
HK$109,834
+HK$5,499/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$208,670/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,773
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$110,094
−HK$3,375/mo
Today · 4.125%
HK$113,469
baseline
▲ 0.50% · 4.625%
HK$120,373
+HK$6,904/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$226,938/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,784
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$121,970
−HK$3,232/mo
Today · 4.125%
HK$125,202
baseline
▲ 0.50% · 4.625%
HK$131,801
+HK$6,599/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$250,404/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,569
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$128,443
−HK$3,937/mo
Today · 4.125%
HK$132,380
baseline
▲ 0.50% · 4.625%
HK$140,435
+HK$8,055/mo
Deposit HK$11.71M · loan HK$27.31M · min. income ≈ HK$264,760/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,581
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,298
−HK$3,770/mo
Today · 4.125%
HK$146,068
baseline
▲ 0.50% · 4.625%
HK$153,768
+HK$7,700/mo
Deposit HK$11.71M · loan HK$27.31M · min. income ≈ HK$292,136/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,160
−HK$10,043/mo
▼ 0.25% · 3.875%
HK$165,141
−HK$5,062/mo
Today · 4.125%
HK$170,203
baseline
▲ 0.50% · 4.625%
HK$180,559
+HK$10,356/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$340,406/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,176
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$182,955
−HK$4,847/mo
Today · 4.125%
HK$187,802
baseline
▲ 0.50% · 4.625%
HK$197,702
+HK$9,900/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$375,604/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,387 · Scale 2, in force from 26 Feb 2026)