LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,080
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,851
−HK$2,815/mo
Today · 4.125%
HK$94,666
baseline
▲ 0.50% · 4.625%
HK$100,426
+HK$5,760/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,332/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,100
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,758
−HK$2,696/mo
Today · 4.125%
HK$104,454
baseline
▲ 0.50% · 4.625%
HK$109,960
+HK$5,506/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,908/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,660,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,896
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,221
−HK$3,378/mo
Today · 4.125%
HK$113,599
baseline
▲ 0.50% · 4.625%
HK$120,511
+HK$6,912/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$227,198/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,920
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,110
−HK$3,235/mo
Today · 4.125%
HK$125,345
baseline
▲ 0.50% · 4.625%
HK$131,953
+HK$6,608/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$250,690/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,712
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,591
−HK$3,941/mo
Today · 4.125%
HK$132,532
baseline
▲ 0.50% · 4.625%
HK$140,597
+HK$8,065/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$265,064/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,741
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$142,462
−HK$3,774/mo
Today · 4.125%
HK$146,236
baseline
▲ 0.50% · 4.625%
HK$153,945
+HK$7,709/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$292,472/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,344
−HK$10,055/mo
▼ 0.25% · 3.875%
HK$165,331
−HK$5,068/mo
Today · 4.125%
HK$170,399
baseline
▲ 0.50% · 4.625%
HK$180,767
+HK$10,368/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$340,798/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,381
−HK$9,637/mo
▼ 0.25% · 3.875%
HK$183,165
−HK$4,853/mo
Today · 4.125%
HK$188,018
baseline
▲ 0.50% · 4.625%
HK$197,929
+HK$9,911/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$376,036/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,293 · Scale 2, in force from 26 Feb 2026)