LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,152
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,925
−HK$2,817/mo
Today · 4.125%
HK$94,742
baseline
▲ 0.50% · 4.625%
HK$100,507
+HK$5,765/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,484/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,180
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,840
−HK$2,699/mo
Today · 4.125%
HK$104,539
baseline
▲ 0.50% · 4.625%
HK$110,049
+HK$5,510/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,078/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,982
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,310
−HK$3,381/mo
Today · 4.125%
HK$113,691
baseline
▲ 0.50% · 4.625%
HK$120,609
+HK$6,918/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,382/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,016
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,208
−HK$3,239/mo
Today · 4.125%
HK$125,447
baseline
▲ 0.50% · 4.625%
HK$132,059
+HK$6,612/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,894/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,812
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$128,695
−HK$3,944/mo
Today · 4.125%
HK$132,639
baseline
▲ 0.50% · 4.625%
HK$140,710
+HK$8,071/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$265,278/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,853
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$142,577
−HK$3,777/mo
Today · 4.125%
HK$146,354
baseline
▲ 0.50% · 4.625%
HK$154,069
+HK$7,715/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$292,708/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,473
−HK$10,063/mo
▼ 0.25% · 3.875%
HK$165,465
−HK$5,071/mo
Today · 4.125%
HK$170,536
baseline
▲ 0.50% · 4.625%
HK$180,913
+HK$10,377/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$341,072/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,525
−HK$9,645/mo
▼ 0.25% · 3.875%
HK$183,313
−HK$4,857/mo
Today · 4.125%
HK$188,170
baseline
▲ 0.50% · 4.625%
HK$198,089
+HK$9,919/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$376,340/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,633 · Scale 2, in force from 26 Feb 2026)