LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,981
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,749
−HK$2,812/mo
Today · 4.125%
HK$94,561
baseline
▲ 0.50% · 4.625%
HK$100,315
+HK$5,754/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$189,122/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,991
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,646
−HK$2,693/mo
Today · 4.125%
HK$104,339
baseline
▲ 0.50% · 4.625%
HK$109,839
+HK$5,500/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$208,678/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,778
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$110,099
−HK$3,374/mo
Today · 4.125%
HK$113,473
baseline
▲ 0.50% · 4.625%
HK$120,378
+HK$6,905/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$226,946/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,789
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$121,975
−HK$3,232/mo
Today · 4.125%
HK$125,207
baseline
▲ 0.50% · 4.625%
HK$131,807
+HK$6,600/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$250,414/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,574
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$128,449
−HK$3,937/mo
Today · 4.125%
HK$132,386
baseline
▲ 0.50% · 4.625%
HK$140,441
+HK$8,055/mo
Deposit HK$11.71M · loan HK$27.32M · min. income ≈ HK$264,772/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,658,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,587
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$142,304
−HK$3,771/mo
Today · 4.125%
HK$146,075
baseline
▲ 0.50% · 4.625%
HK$153,774
+HK$7,699/mo
Deposit HK$11.71M · loan HK$27.32M · min. income ≈ HK$292,150/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,658,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,166
−HK$10,044/mo
▼ 0.25% · 3.875%
HK$165,148
−HK$5,062/mo
Today · 4.125%
HK$170,210
baseline
▲ 0.50% · 4.625%
HK$180,567
+HK$10,357/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$340,420/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,183
−HK$9,627/mo
▼ 0.25% · 3.875%
HK$182,962
−HK$4,848/mo
Today · 4.125%
HK$187,810
baseline
▲ 0.50% · 4.625%
HK$197,710
+HK$9,900/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$375,620/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,457 · Scale 2, in force from 26 Feb 2026)