LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,978
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,746
−HK$2,812/mo
Today · 4.125%
HK$94,558
baseline
▲ 0.50% · 4.625%
HK$100,311
+HK$5,753/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$189,116/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,987
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,642
−HK$2,693/mo
Today · 4.125%
HK$104,335
baseline
▲ 0.50% · 4.625%
HK$109,835
+HK$5,500/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$1,658,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,774
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$110,095
−HK$3,374/mo
Today · 4.125%
HK$113,469
baseline
▲ 0.50% · 4.625%
HK$120,374
+HK$6,905/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$1,658,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,785
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$121,970
−HK$3,232/mo
Today · 4.125%
HK$125,202
baseline
▲ 0.50% · 4.625%
HK$131,802
+HK$6,600/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$1,658,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,569
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$128,444
−HK$3,937/mo
Today · 4.125%
HK$132,381
baseline
▲ 0.50% · 4.625%
HK$140,436
+HK$8,055/mo
Deposit HK$11.71M · loan HK$27.31M · min. income ≈ HK$264,762/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,582
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,299
−HK$3,770/mo
Today · 4.125%
HK$146,069
baseline
▲ 0.50% · 4.625%
HK$153,769
+HK$7,700/mo
Deposit HK$11.71M · loan HK$27.31M · min. income ≈ HK$292,138/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,160
−HK$10,044/mo
▼ 0.25% · 3.875%
HK$165,142
−HK$5,062/mo
Today · 4.125%
HK$170,204
baseline
▲ 0.50% · 4.625%
HK$180,560
+HK$10,356/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$340,408/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,177
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$182,955
−HK$4,848/mo
Today · 4.125%
HK$187,803
baseline
▲ 0.50% · 4.625%
HK$197,703
+HK$9,900/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$375,606/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,395 · Scale 2, in force from 26 Feb 2026)