LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,150
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,923
−HK$2,817/mo
Today · 4.125%
HK$94,740
baseline
▲ 0.50% · 4.625%
HK$100,505
+HK$5,765/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,480/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,178
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,838
−HK$2,699/mo
Today · 4.125%
HK$104,537
baseline
▲ 0.50% · 4.625%
HK$110,047
+HK$5,510/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,074/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,980
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,308
−HK$3,381/mo
Today · 4.125%
HK$113,689
baseline
▲ 0.50% · 4.625%
HK$120,606
+HK$6,917/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,378/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,014
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,206
−HK$3,238/mo
Today · 4.125%
HK$125,444
baseline
▲ 0.50% · 4.625%
HK$132,056
+HK$6,612/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,888/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,810
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$128,692
−HK$3,945/mo
Today · 4.125%
HK$132,637
baseline
▲ 0.50% · 4.625%
HK$140,707
+HK$8,070/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$265,274/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,850
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$142,574
−HK$3,777/mo
Today · 4.125%
HK$146,351
baseline
▲ 0.50% · 4.625%
HK$154,066
+HK$7,715/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$292,702/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,470
−HK$10,063/mo
▼ 0.25% · 3.875%
HK$165,461
−HK$5,072/mo
Today · 4.125%
HK$170,533
baseline
▲ 0.50% · 4.625%
HK$180,909
+HK$10,376/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$341,066/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,521
−HK$9,645/mo
▼ 0.25% · 3.875%
HK$183,309
−HK$4,857/mo
Today · 4.125%
HK$188,166
baseline
▲ 0.50% · 4.625%
HK$198,085
+HK$9,919/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$376,332/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,600 · Scale 2, in force from 26 Feb 2026)