LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,017
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,786
−HK$2,813/mo
Today · 4.125%
HK$94,599
baseline
▲ 0.50% · 4.625%
HK$100,355
+HK$5,756/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$189,198/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,030
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,686
−HK$2,694/mo
Today · 4.125%
HK$104,380
baseline
▲ 0.50% · 4.625%
HK$109,883
+HK$5,503/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$208,760/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,820
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,143
−HK$3,376/mo
Today · 4.125%
HK$113,519
baseline
▲ 0.50% · 4.625%
HK$120,426
+HK$6,907/mo
Deposit HK$15.62M · loan HK$23.42M · min. income ≈ HK$227,038/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,659,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,836
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,023
−HK$3,234/mo
Today · 4.125%
HK$125,257
baseline
▲ 0.50% · 4.625%
HK$131,859
+HK$6,602/mo
Deposit HK$15.62M · loan HK$23.42M · min. income ≈ HK$250,514/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,659,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,623
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$128,500
−HK$3,938/mo
Today · 4.125%
HK$132,438
baseline
▲ 0.50% · 4.625%
HK$140,497
+HK$8,059/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$264,876/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,642
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$142,361
−HK$3,772/mo
Today · 4.125%
HK$146,133
baseline
▲ 0.50% · 4.625%
HK$153,836
+HK$7,703/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$292,266/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,230
−HK$10,048/mo
▼ 0.25% · 3.875%
HK$165,214
−HK$5,064/mo
Today · 4.125%
HK$170,278
baseline
▲ 0.50% · 4.625%
HK$180,639
+HK$10,361/mo
Deposit HK$3.90M · loan HK$35.13M · min. income ≈ HK$340,556/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,254
−HK$9,631/mo
▼ 0.25% · 3.875%
HK$183,035
−HK$4,850/mo
Today · 4.125%
HK$187,885
baseline
▲ 0.50% · 4.625%
HK$197,789
+HK$9,904/mo
Deposit HK$3.90M · loan HK$35.13M · min. income ≈ HK$375,770/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,116 · Scale 2, in force from 26 Feb 2026)