LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,024
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,794
−HK$2,813/mo
Today · 4.125%
HK$94,607
baseline
▲ 0.50% · 4.625%
HK$100,364
+HK$5,757/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$189,214/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,039
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,695
−HK$2,695/mo
Today · 4.125%
HK$104,390
baseline
▲ 0.50% · 4.625%
HK$109,892
+HK$5,502/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$208,780/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,829
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,152
−HK$3,376/mo
Today · 4.125%
HK$113,528
baseline
▲ 0.50% · 4.625%
HK$120,436
+HK$6,908/mo
Deposit HK$15.62M · loan HK$23.42M · min. income ≈ HK$227,056/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,847
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$122,034
−HK$3,233/mo
Today · 4.125%
HK$125,267
baseline
▲ 0.50% · 4.625%
HK$131,870
+HK$6,603/mo
Deposit HK$15.62M · loan HK$23.42M · min. income ≈ HK$250,534/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,634
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$128,511
−HK$3,939/mo
Today · 4.125%
HK$132,450
baseline
▲ 0.50% · 4.625%
HK$140,509
+HK$8,059/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$264,900/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,654
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$142,373
−HK$3,772/mo
Today · 4.125%
HK$146,145
baseline
▲ 0.50% · 4.625%
HK$153,849
+HK$7,704/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$292,290/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,244
−HK$10,049/mo
▼ 0.25% · 3.875%
HK$165,228
−HK$5,065/mo
Today · 4.125%
HK$170,293
baseline
▲ 0.50% · 4.625%
HK$180,655
+HK$10,362/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$340,586/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,270
−HK$9,631/mo
▼ 0.25% · 3.875%
HK$183,051
−HK$4,850/mo
Today · 4.125%
HK$187,901
baseline
▲ 0.50% · 4.625%
HK$197,806
+HK$9,905/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$375,802/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,260 · Scale 2, in force from 26 Feb 2026)