LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,979
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,747
−HK$2,812/mo
Today · 4.125%
HK$94,559
baseline
▲ 0.50% · 4.625%
HK$100,313
+HK$5,754/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$189,118/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,989
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,643
−HK$2,694/mo
Today · 4.125%
HK$104,337
baseline
▲ 0.50% · 4.625%
HK$109,836
+HK$5,499/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$208,674/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,775
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$110,097
−HK$3,374/mo
Today · 4.125%
HK$113,471
baseline
▲ 0.50% · 4.625%
HK$120,375
+HK$6,904/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$226,942/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,786
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$121,972
−HK$3,232/mo
Today · 4.125%
HK$125,204
baseline
▲ 0.50% · 4.625%
HK$131,804
+HK$6,600/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$250,408/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,571
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$128,446
−HK$3,937/mo
Today · 4.125%
HK$132,383
baseline
▲ 0.50% · 4.625%
HK$140,438
+HK$8,055/mo
Deposit HK$11.71M · loan HK$27.32M · min. income ≈ HK$264,766/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,584
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,301
−HK$3,770/mo
Today · 4.125%
HK$146,071
baseline
▲ 0.50% · 4.625%
HK$153,771
+HK$7,700/mo
Deposit HK$11.71M · loan HK$27.32M · min. income ≈ HK$292,142/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,163
−HK$10,043/mo
▼ 0.25% · 3.875%
HK$165,145
−HK$5,061/mo
Today · 4.125%
HK$170,206
baseline
▲ 0.50% · 4.625%
HK$180,563
+HK$10,357/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$340,412/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,180
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$182,958
−HK$4,848/mo
Today · 4.125%
HK$187,806
baseline
▲ 0.50% · 4.625%
HK$197,706
+HK$9,900/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$375,612/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,421 · Scale 2, in force from 26 Feb 2026)