LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,093
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,864
−HK$2,816/mo
Today · 4.125%
HK$94,680
baseline
▲ 0.50% · 4.625%
HK$100,441
+HK$5,761/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,360/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,115
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,773
−HK$2,697/mo
Today · 4.125%
HK$104,470
baseline
▲ 0.50% · 4.625%
HK$109,977
+HK$5,507/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$208,940/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,912
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,237
−HK$3,379/mo
Today · 4.125%
HK$113,616
baseline
▲ 0.50% · 4.625%
HK$120,529
+HK$6,913/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$227,232/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,938
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,128
−HK$3,236/mo
Today · 4.125%
HK$125,364
baseline
▲ 0.50% · 4.625%
HK$131,972
+HK$6,608/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$250,728/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,730
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$128,610
−HK$3,942/mo
Today · 4.125%
HK$132,552
baseline
▲ 0.50% · 4.625%
HK$140,617
+HK$8,065/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$265,104/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,761
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,483
−HK$3,775/mo
Today · 4.125%
HK$146,258
baseline
▲ 0.50% · 4.625%
HK$153,967
+HK$7,709/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$292,516/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,367
−HK$10,057/mo
▼ 0.25% · 3.875%
HK$165,356
−HK$5,068/mo
Today · 4.125%
HK$170,424
baseline
▲ 0.50% · 4.625%
HK$180,794
+HK$10,370/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$340,848/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,407
−HK$9,639/mo
▼ 0.25% · 3.875%
HK$183,192
−HK$4,854/mo
Today · 4.125%
HK$188,046
baseline
▲ 0.50% · 4.625%
HK$197,958
+HK$9,912/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$376,092/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,538 · Scale 2, in force from 26 Feb 2026)