LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,109
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,881
−HK$2,816/mo
Today · 4.125%
HK$94,697
baseline
▲ 0.50% · 4.625%
HK$100,459
+HK$5,762/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,394/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,133
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,792
−HK$2,697/mo
Today · 4.125%
HK$104,489
baseline
▲ 0.50% · 4.625%
HK$109,997
+HK$5,508/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$208,978/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,931
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,257
−HK$3,380/mo
Today · 4.125%
HK$113,637
baseline
▲ 0.50% · 4.625%
HK$120,551
+HK$6,914/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$227,274/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,960
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,150
−HK$3,237/mo
Today · 4.125%
HK$125,387
baseline
▲ 0.50% · 4.625%
HK$131,996
+HK$6,609/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$250,774/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,753
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$128,634
−HK$3,942/mo
Today · 4.125%
HK$132,576
baseline
▲ 0.50% · 4.625%
HK$140,643
+HK$8,067/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$265,152/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,786
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,509
−HK$3,776/mo
Today · 4.125%
HK$146,285
baseline
▲ 0.50% · 4.625%
HK$153,996
+HK$7,711/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$292,570/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,397
−HK$10,058/mo
▼ 0.25% · 3.875%
HK$165,386
−HK$5,069/mo
Today · 4.125%
HK$170,455
baseline
▲ 0.50% · 4.625%
HK$180,827
+HK$10,372/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$340,910/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,440
−HK$9,640/mo
▼ 0.25% · 3.875%
HK$183,225
−HK$4,855/mo
Today · 4.125%
HK$188,080
baseline
▲ 0.50% · 4.625%
HK$197,994
+HK$9,914/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$376,160/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,842 · Scale 2, in force from 26 Feb 2026)