LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,092
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,864
−HK$2,815/mo
Today · 4.125%
HK$94,679
baseline
▲ 0.50% · 4.625%
HK$100,440
+HK$5,761/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,358/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,114
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,772
−HK$2,697/mo
Today · 4.125%
HK$104,469
baseline
▲ 0.50% · 4.625%
HK$109,976
+HK$5,507/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$208,938/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,911
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,236
−HK$3,379/mo
Today · 4.125%
HK$113,615
baseline
▲ 0.50% · 4.625%
HK$120,528
+HK$6,913/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$227,230/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,937
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,127
−HK$3,236/mo
Today · 4.125%
HK$125,363
baseline
▲ 0.50% · 4.625%
HK$131,971
+HK$6,608/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$250,726/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,729
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$128,609
−HK$3,942/mo
Today · 4.125%
HK$132,551
baseline
▲ 0.50% · 4.625%
HK$140,616
+HK$8,065/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$265,102/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,760
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,481
−HK$3,776/mo
Today · 4.125%
HK$146,257
baseline
▲ 0.50% · 4.625%
HK$153,966
+HK$7,709/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$292,514/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,366
−HK$10,056/mo
▼ 0.25% · 3.875%
HK$165,354
−HK$5,068/mo
Today · 4.125%
HK$170,422
baseline
▲ 0.50% · 4.625%
HK$180,792
+HK$10,370/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$340,844/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,406
−HK$9,638/mo
▼ 0.25% · 3.875%
HK$183,190
−HK$4,854/mo
Today · 4.125%
HK$188,044
baseline
▲ 0.50% · 4.625%
HK$197,956
+HK$9,912/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$376,088/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,525 · Scale 2, in force from 26 Feb 2026)