LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,121
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,893
−HK$2,817/mo
Today · 4.125%
HK$94,710
baseline
▲ 0.50% · 4.625%
HK$100,473
+HK$5,763/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,420/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,661,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,146
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,806
−HK$2,697/mo
Today · 4.125%
HK$104,503
baseline
▲ 0.50% · 4.625%
HK$110,012
+HK$5,509/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$209,006/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,661,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,945
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$110,272
−HK$3,380/mo
Today · 4.125%
HK$113,652
baseline
▲ 0.50% · 4.625%
HK$120,567
+HK$6,915/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$227,304/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,661,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,976
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$122,167
−HK$3,237/mo
Today · 4.125%
HK$125,404
baseline
▲ 0.50% · 4.625%
HK$132,014
+HK$6,610/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$250,808/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,661,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,770
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,651
−HK$3,943/mo
Today · 4.125%
HK$132,594
baseline
▲ 0.50% · 4.625%
HK$140,662
+HK$8,068/mo
Deposit HK$11.73M · loan HK$27.36M · min. income ≈ HK$265,188/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,805
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,528
−HK$3,776/mo
Today · 4.125%
HK$146,304
baseline
▲ 0.50% · 4.625%
HK$154,016
+HK$7,712/mo
Deposit HK$11.73M · loan HK$27.36M · min. income ≈ HK$292,608/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,418
−HK$10,060/mo
▼ 0.25% · 3.875%
HK$165,408
−HK$5,070/mo
Today · 4.125%
HK$170,478
baseline
▲ 0.50% · 4.625%
HK$180,851
+HK$10,373/mo
Deposit HK$3.91M · loan HK$35.18M · min. income ≈ HK$340,956/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,464
−HK$9,641/mo
▼ 0.25% · 3.875%
HK$183,250
−HK$4,855/mo
Today · 4.125%
HK$188,105
baseline
▲ 0.50% · 4.625%
HK$198,021
+HK$9,916/mo
Deposit HK$3.91M · loan HK$35.18M · min. income ≈ HK$376,210/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,064 · Scale 2, in force from 26 Feb 2026)