LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,018
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,787
−HK$2,813/mo
Today · 4.125%
HK$94,600
baseline
▲ 0.50% · 4.625%
HK$100,356
+HK$5,756/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$189,200/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,031
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,687
−HK$2,695/mo
Today · 4.125%
HK$104,382
baseline
▲ 0.50% · 4.625%
HK$109,884
+HK$5,502/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$208,764/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,821
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,144
−HK$3,376/mo
Today · 4.125%
HK$113,520
baseline
▲ 0.50% · 4.625%
HK$120,427
+HK$6,907/mo
Deposit HK$15.62M · loan HK$23.42M · min. income ≈ HK$227,040/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,659,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,838
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$122,025
−HK$3,233/mo
Today · 4.125%
HK$125,258
baseline
▲ 0.50% · 4.625%
HK$131,861
+HK$6,603/mo
Deposit HK$15.62M · loan HK$23.42M · min. income ≈ HK$250,516/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,659,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,625
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$128,501
−HK$3,939/mo
Today · 4.125%
HK$132,440
baseline
▲ 0.50% · 4.625%
HK$140,499
+HK$8,059/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$264,880/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,644
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$142,362
−HK$3,772/mo
Today · 4.125%
HK$146,134
baseline
▲ 0.50% · 4.625%
HK$153,837
+HK$7,703/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$292,268/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,232
−HK$10,048/mo
▼ 0.25% · 3.875%
HK$165,216
−HK$5,064/mo
Today · 4.125%
HK$170,280
baseline
▲ 0.50% · 4.625%
HK$180,641
+HK$10,361/mo
Deposit HK$3.90M · loan HK$35.13M · min. income ≈ HK$340,560/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,256
−HK$9,631/mo
▼ 0.25% · 3.875%
HK$183,037
−HK$4,850/mo
Today · 4.125%
HK$187,887
baseline
▲ 0.50% · 4.625%
HK$197,791
+HK$9,904/mo
Deposit HK$3.90M · loan HK$35.13M · min. income ≈ HK$375,774/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,135 · Scale 2, in force from 26 Feb 2026)