LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,115
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,887
−HK$2,816/mo
Today · 4.125%
HK$94,703
baseline
▲ 0.50% · 4.625%
HK$100,465
+HK$5,762/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,406/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,139
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,798
−HK$2,697/mo
Today · 4.125%
HK$104,495
baseline
▲ 0.50% · 4.625%
HK$110,003
+HK$5,508/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$208,990/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,938
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,264
−HK$3,380/mo
Today · 4.125%
HK$113,644
baseline
▲ 0.50% · 4.625%
HK$120,558
+HK$6,914/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$227,288/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,967
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,158
−HK$3,236/mo
Today · 4.125%
HK$125,394
baseline
▲ 0.50% · 4.625%
HK$132,004
+HK$6,610/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$250,788/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,761
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$128,641
−HK$3,943/mo
Today · 4.125%
HK$132,584
baseline
▲ 0.50% · 4.625%
HK$140,652
+HK$8,068/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$265,168/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,660,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,795
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$142,517
−HK$3,776/mo
Today · 4.125%
HK$146,293
baseline
▲ 0.50% · 4.625%
HK$154,005
+HK$7,712/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$292,586/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,660,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,406
−HK$10,059/mo
▼ 0.25% · 3.875%
HK$165,396
−HK$5,069/mo
Today · 4.125%
HK$170,465
baseline
▲ 0.50% · 4.625%
HK$180,838
+HK$10,373/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$340,930/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,451
−HK$9,641/mo
▼ 0.25% · 3.875%
HK$183,236
−HK$4,856/mo
Today · 4.125%
HK$188,092
baseline
▲ 0.50% · 4.625%
HK$198,006
+HK$9,914/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$376,184/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,942 · Scale 2, in force from 26 Feb 2026)