LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,033
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,802
−HK$2,814/mo
Today · 4.125%
HK$94,616
baseline
▲ 0.50% · 4.625%
HK$100,373
+HK$5,757/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$189,232/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,048
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,704
−HK$2,695/mo
Today · 4.125%
HK$104,399
baseline
▲ 0.50% · 4.625%
HK$109,902
+HK$5,503/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$208,798/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,839
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,162
−HK$3,377/mo
Today · 4.125%
HK$113,539
baseline
▲ 0.50% · 4.625%
HK$120,447
+HK$6,908/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$227,078/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,857
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$122,045
−HK$3,234/mo
Today · 4.125%
HK$125,279
baseline
▲ 0.50% · 4.625%
HK$131,882
+HK$6,603/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$250,558/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,646
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$128,523
−HK$3,939/mo
Today · 4.125%
HK$132,462
baseline
▲ 0.50% · 4.625%
HK$140,522
+HK$8,060/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$264,924/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,667
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$142,386
−HK$3,773/mo
Today · 4.125%
HK$146,159
baseline
▲ 0.50% · 4.625%
HK$153,863
+HK$7,704/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$292,318/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,259
−HK$10,049/mo
▼ 0.25% · 3.875%
HK$165,243
−HK$5,065/mo
Today · 4.125%
HK$170,308
baseline
▲ 0.50% · 4.625%
HK$180,671
+HK$10,363/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$340,616/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,286
−HK$9,632/mo
▼ 0.25% · 3.875%
HK$183,068
−HK$4,850/mo
Today · 4.125%
HK$187,918
baseline
▲ 0.50% · 4.625%
HK$197,824
+HK$9,906/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$375,836/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,411 · Scale 2, in force from 26 Feb 2026)