LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,098
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,869
−HK$2,816/mo
Today · 4.125%
HK$94,685
baseline
▲ 0.50% · 4.625%
HK$100,446
+HK$5,761/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,370/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,120
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,778
−HK$2,697/mo
Today · 4.125%
HK$104,475
baseline
▲ 0.50% · 4.625%
HK$109,982
+HK$5,507/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$208,950/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,917
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,243
−HK$3,379/mo
Today · 4.125%
HK$113,622
baseline
▲ 0.50% · 4.625%
HK$120,535
+HK$6,913/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$227,244/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,944
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,134
−HK$3,236/mo
Today · 4.125%
HK$125,370
baseline
▲ 0.50% · 4.625%
HK$131,979
+HK$6,609/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$250,740/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,737
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$128,617
−HK$3,942/mo
Today · 4.125%
HK$132,559
baseline
▲ 0.50% · 4.625%
HK$140,625
+HK$8,066/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$265,118/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,768
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,490
−HK$3,775/mo
Today · 4.125%
HK$146,265
baseline
▲ 0.50% · 4.625%
HK$153,975
+HK$7,710/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$292,530/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,376
−HK$10,057/mo
▼ 0.25% · 3.875%
HK$165,364
−HK$5,069/mo
Today · 4.125%
HK$170,433
baseline
▲ 0.50% · 4.625%
HK$180,803
+HK$10,370/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$340,866/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,416
−HK$9,640/mo
▼ 0.25% · 3.875%
HK$183,201
−HK$4,855/mo
Today · 4.125%
HK$188,056
baseline
▲ 0.50% · 4.625%
HK$197,968
+HK$9,912/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$376,112/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,623 · Scale 2, in force from 26 Feb 2026)