LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,154
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,927
−HK$2,817/mo
Today · 4.125%
HK$94,744
baseline
▲ 0.50% · 4.625%
HK$100,509
+HK$5,765/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,488/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,182
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,842
−HK$2,699/mo
Today · 4.125%
HK$104,541
baseline
▲ 0.50% · 4.625%
HK$110,051
+HK$5,510/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,082/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,984
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,312
−HK$3,381/mo
Today · 4.125%
HK$113,693
baseline
▲ 0.50% · 4.625%
HK$120,611
+HK$6,918/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,386/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,019
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,211
−HK$3,238/mo
Today · 4.125%
HK$125,449
baseline
▲ 0.50% · 4.625%
HK$132,062
+HK$6,613/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,898/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,815
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$128,697
−HK$3,945/mo
Today · 4.125%
HK$132,642
baseline
▲ 0.50% · 4.625%
HK$140,713
+HK$8,071/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$265,284/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,855
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,579
−HK$3,778/mo
Today · 4.125%
HK$146,357
baseline
▲ 0.50% · 4.625%
HK$154,072
+HK$7,715/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$292,714/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,476
−HK$10,064/mo
▼ 0.25% · 3.875%
HK$165,468
−HK$5,072/mo
Today · 4.125%
HK$170,540
baseline
▲ 0.50% · 4.625%
HK$180,917
+HK$10,377/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$341,080/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,528
−HK$9,646/mo
▼ 0.25% · 3.875%
HK$183,316
−HK$4,858/mo
Today · 4.125%
HK$188,174
baseline
▲ 0.50% · 4.625%
HK$198,093
+HK$9,919/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$376,348/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,667 · Scale 2, in force from 26 Feb 2026)