LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,048
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,818
−HK$2,814/mo
Today · 4.125%
HK$94,632
baseline
▲ 0.50% · 4.625%
HK$100,391
+HK$5,759/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,264/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,659,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,065
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,722
−HK$2,696/mo
Today · 4.125%
HK$104,418
baseline
▲ 0.50% · 4.625%
HK$109,922
+HK$5,504/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,836/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,659,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,858
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$110,182
−HK$3,377/mo
Today · 4.125%
HK$113,559
baseline
▲ 0.50% · 4.625%
HK$120,469
+HK$6,910/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$227,118/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,878
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,067
−HK$3,234/mo
Today · 4.125%
HK$125,301
baseline
▲ 0.50% · 4.625%
HK$131,906
+HK$6,605/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$250,602/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,668
−HK$7,817/mo
▼ 0.25% · 3.875%
HK$128,546
−HK$3,939/mo
Today · 4.125%
HK$132,485
baseline
▲ 0.50% · 4.625%
HK$140,547
+HK$8,062/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$264,970/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,659,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,692
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,411
−HK$3,774/mo
Today · 4.125%
HK$146,185
baseline
▲ 0.50% · 4.625%
HK$153,890
+HK$7,705/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$292,370/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,659,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,287
−HK$10,051/mo
▼ 0.25% · 3.875%
HK$165,273
−HK$5,065/mo
Today · 4.125%
HK$170,338
baseline
▲ 0.50% · 4.625%
HK$180,703
+HK$10,365/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$340,676/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,318
−HK$9,634/mo
▼ 0.25% · 3.875%
HK$183,100
−HK$4,852/mo
Today · 4.125%
HK$187,952
baseline
▲ 0.50% · 4.625%
HK$197,859
+HK$9,907/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$375,904/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,659,706 · Scale 2, in force from 26 Feb 2026)