LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,068
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,839
−HK$2,815/mo
Today · 4.125%
HK$94,654
baseline
▲ 0.50% · 4.625%
HK$100,413
+HK$5,759/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,308/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,088
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,745
−HK$2,696/mo
Today · 4.125%
HK$104,441
baseline
▲ 0.50% · 4.625%
HK$109,946
+HK$5,505/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,882/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,882
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,207
−HK$3,377/mo
Today · 4.125%
HK$113,584
baseline
▲ 0.50% · 4.625%
HK$120,496
+HK$6,912/mo
Deposit HK$15.62M · loan HK$23.44M · min. income ≈ HK$227,168/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,660,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,905
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,094
−HK$3,235/mo
Today · 4.125%
HK$125,329
baseline
▲ 0.50% · 4.625%
HK$131,935
+HK$6,606/mo
Deposit HK$15.62M · loan HK$23.44M · min. income ≈ HK$250,658/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,660,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,696
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$128,574
−HK$3,941/mo
Today · 4.125%
HK$132,515
baseline
▲ 0.50% · 4.625%
HK$140,578
+HK$8,063/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$265,030/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,723
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$142,443
−HK$3,774/mo
Today · 4.125%
HK$146,217
baseline
▲ 0.50% · 4.625%
HK$153,925
+HK$7,708/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$292,434/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,323
−HK$10,054/mo
▼ 0.25% · 3.875%
HK$165,310
−HK$5,067/mo
Today · 4.125%
HK$170,377
baseline
▲ 0.50% · 4.625%
HK$180,744
+HK$10,367/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$340,754/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,358
−HK$9,636/mo
▼ 0.25% · 3.875%
HK$183,141
−HK$4,853/mo
Today · 4.125%
HK$187,994
baseline
▲ 0.50% · 4.625%
HK$197,903
+HK$9,909/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$375,988/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,078 · Scale 2, in force from 26 Feb 2026)