LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,070
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,841
−HK$2,815/mo
Today · 4.125%
HK$94,656
baseline
▲ 0.50% · 4.625%
HK$100,415
+HK$5,759/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,312/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,090
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,747
−HK$2,696/mo
Today · 4.125%
HK$104,443
baseline
▲ 0.50% · 4.625%
HK$109,949
+HK$5,506/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,886/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,884
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,209
−HK$3,378/mo
Today · 4.125%
HK$113,587
baseline
▲ 0.50% · 4.625%
HK$120,498
+HK$6,911/mo
Deposit HK$15.62M · loan HK$23.44M · min. income ≈ HK$227,174/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,660,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,908
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,097
−HK$3,235/mo
Today · 4.125%
HK$125,332
baseline
▲ 0.50% · 4.625%
HK$131,938
+HK$6,606/mo
Deposit HK$15.62M · loan HK$23.44M · min. income ≈ HK$250,664/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,660,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,698
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,577
−HK$3,941/mo
Today · 4.125%
HK$132,518
baseline
▲ 0.50% · 4.625%
HK$140,581
+HK$8,063/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$265,036/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,726
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$142,446
−HK$3,774/mo
Today · 4.125%
HK$146,220
baseline
▲ 0.50% · 4.625%
HK$153,928
+HK$7,708/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$292,440/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,326
−HK$10,054/mo
▼ 0.25% · 3.875%
HK$165,313
−HK$5,067/mo
Today · 4.125%
HK$170,380
baseline
▲ 0.50% · 4.625%
HK$180,747
+HK$10,367/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$340,760/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,361
−HK$9,637/mo
▼ 0.25% · 3.875%
HK$183,145
−HK$4,853/mo
Today · 4.125%
HK$187,998
baseline
▲ 0.50% · 4.625%
HK$197,907
+HK$9,909/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$375,996/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,113 · Scale 2, in force from 26 Feb 2026)