LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,036
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,805
−HK$2,814/mo
Today · 4.125%
HK$94,619
baseline
▲ 0.50% · 4.625%
HK$100,376
+HK$5,757/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$189,238/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,051
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,708
−HK$2,695/mo
Today · 4.125%
HK$104,403
baseline
▲ 0.50% · 4.625%
HK$109,906
+HK$5,503/mo
Deposit HK$19.52M · loan HK$19.52M · min. income ≈ HK$208,806/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$1,659,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,843
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,166
−HK$3,377/mo
Today · 4.125%
HK$113,543
baseline
▲ 0.50% · 4.625%
HK$120,452
+HK$6,909/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$227,086/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,862
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,049
−HK$3,234/mo
Today · 4.125%
HK$125,283
baseline
▲ 0.50% · 4.625%
HK$131,887
+HK$6,604/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$250,566/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,650
−HK$7,817/mo
▼ 0.25% · 3.875%
HK$128,527
−HK$3,940/mo
Today · 4.125%
HK$132,467
baseline
▲ 0.50% · 4.625%
HK$140,527
+HK$8,060/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$264,934/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,672
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$142,391
−HK$3,773/mo
Today · 4.125%
HK$146,164
baseline
▲ 0.50% · 4.625%
HK$153,868
+HK$7,704/mo
Deposit HK$11.71M · loan HK$27.33M · min. income ≈ HK$292,328/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,659,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,264
−HK$10,050/mo
▼ 0.25% · 3.875%
HK$165,249
−HK$5,065/mo
Today · 4.125%
HK$170,314
baseline
▲ 0.50% · 4.625%
HK$180,678
+HK$10,364/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$340,628/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,292
−HK$9,633/mo
▼ 0.25% · 3.875%
HK$183,074
−HK$4,851/mo
Today · 4.125%
HK$187,925
baseline
▲ 0.50% · 4.625%
HK$197,831
+HK$9,906/mo
Deposit HK$3.90M · loan HK$35.14M · min. income ≈ HK$375,850/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,471 · Scale 2, in force from 26 Feb 2026)