LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,027
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,797
−HK$2,813/mo
Today · 4.125%
HK$94,610
baseline
▲ 0.50% · 4.625%
HK$100,367
+HK$5,757/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$189,220/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,042
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,698
−HK$2,695/mo
Today · 4.125%
HK$104,393
baseline
▲ 0.50% · 4.625%
HK$109,896
+HK$5,503/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$208,786/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,833
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,156
−HK$3,376/mo
Today · 4.125%
HK$113,532
baseline
▲ 0.50% · 4.625%
HK$120,441
+HK$6,909/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$227,064/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,851
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,038
−HK$3,234/mo
Today · 4.125%
HK$125,272
baseline
▲ 0.50% · 4.625%
HK$131,875
+HK$6,603/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$250,544/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,638
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$128,515
−HK$3,939/mo
Today · 4.125%
HK$132,454
baseline
▲ 0.50% · 4.625%
HK$140,514
+HK$8,060/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$264,908/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,659
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$142,378
−HK$3,772/mo
Today · 4.125%
HK$146,150
baseline
▲ 0.50% · 4.625%
HK$153,854
+HK$7,704/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$292,300/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,249
−HK$10,049/mo
▼ 0.25% · 3.875%
HK$165,234
−HK$5,064/mo
Today · 4.125%
HK$170,298
baseline
▲ 0.50% · 4.625%
HK$180,661
+HK$10,363/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$340,596/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,276
−HK$9,632/mo
▼ 0.25% · 3.875%
HK$183,057
−HK$4,851/mo
Today · 4.125%
HK$187,908
baseline
▲ 0.50% · 4.625%
HK$197,812
+HK$9,904/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$375,816/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,317 · Scale 2, in force from 26 Feb 2026)