LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,124
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,897
−HK$2,816/mo
Today · 4.125%
HK$94,713
baseline
▲ 0.50% · 4.625%
HK$100,476
+HK$5,763/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,426/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,661,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,150
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,809
−HK$2,698/mo
Today · 4.125%
HK$104,507
baseline
▲ 0.50% · 4.625%
HK$110,015
+HK$5,508/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$209,014/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,661,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,949
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$110,276
−HK$3,380/mo
Today · 4.125%
HK$113,656
baseline
▲ 0.50% · 4.625%
HK$120,571
+HK$6,915/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$227,312/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,980
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$122,171
−HK$3,237/mo
Today · 4.125%
HK$125,408
baseline
▲ 0.50% · 4.625%
HK$132,018
+HK$6,610/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$250,816/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,774
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,655
−HK$3,943/mo
Today · 4.125%
HK$132,598
baseline
▲ 0.50% · 4.625%
HK$140,667
+HK$8,069/mo
Deposit HK$11.73M · loan HK$27.36M · min. income ≈ HK$265,196/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,810
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,533
−HK$3,776/mo
Today · 4.125%
HK$146,309
baseline
▲ 0.50% · 4.625%
HK$154,021
+HK$7,712/mo
Deposit HK$11.73M · loan HK$27.36M · min. income ≈ HK$292,618/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,424
−HK$10,060/mo
▼ 0.25% · 3.875%
HK$165,414
−HK$5,070/mo
Today · 4.125%
HK$170,484
baseline
▲ 0.50% · 4.625%
HK$180,857
+HK$10,373/mo
Deposit HK$3.91M · loan HK$35.18M · min. income ≈ HK$340,968/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,470
−HK$9,642/mo
▼ 0.25% · 3.875%
HK$183,256
−HK$4,856/mo
Today · 4.125%
HK$188,112
baseline
▲ 0.50% · 4.625%
HK$198,028
+HK$9,916/mo
Deposit HK$3.91M · loan HK$35.18M · min. income ≈ HK$376,224/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,122 · Scale 2, in force from 26 Feb 2026)