LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,119
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,891
−HK$2,816/mo
Today · 4.125%
HK$94,707
baseline
▲ 0.50% · 4.625%
HK$100,470
+HK$5,763/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,414/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,661,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,144
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,803
−HK$2,697/mo
Today · 4.125%
HK$104,500
baseline
▲ 0.50% · 4.625%
HK$110,008
+HK$5,508/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$209,000/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,661,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,942
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$110,269
−HK$3,380/mo
Today · 4.125%
HK$113,649
baseline
▲ 0.50% · 4.625%
HK$120,564
+HK$6,915/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$227,298/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,661,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,972
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$122,163
−HK$3,237/mo
Today · 4.125%
HK$125,400
baseline
▲ 0.50% · 4.625%
HK$132,010
+HK$6,610/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$250,800/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,661,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,766
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,647
−HK$3,943/mo
Today · 4.125%
HK$132,590
baseline
▲ 0.50% · 4.625%
HK$140,658
+HK$8,068/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$265,180/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,801
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,524
−HK$3,776/mo
Today · 4.125%
HK$146,300
baseline
▲ 0.50% · 4.625%
HK$154,012
+HK$7,712/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$292,600/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,414
−HK$10,059/mo
▼ 0.25% · 3.875%
HK$165,403
−HK$5,070/mo
Today · 4.125%
HK$170,473
baseline
▲ 0.50% · 4.625%
HK$180,846
+HK$10,373/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$340,946/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,459
−HK$9,641/mo
▼ 0.25% · 3.875%
HK$183,245
−HK$4,855/mo
Today · 4.125%
HK$188,100
baseline
▲ 0.50% · 4.625%
HK$198,015
+HK$9,915/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$376,200/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,017 · Scale 2, in force from 26 Feb 2026)