LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,157
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,930
−HK$2,818/mo
Today · 4.125%
HK$94,748
baseline
▲ 0.50% · 4.625%
HK$100,513
+HK$5,765/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,496/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,186
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,847
−HK$2,698/mo
Today · 4.125%
HK$104,545
baseline
▲ 0.50% · 4.625%
HK$110,056
+HK$5,511/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,090/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,989
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,317
−HK$3,381/mo
Today · 4.125%
HK$113,698
baseline
▲ 0.50% · 4.625%
HK$120,616
+HK$6,918/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,396/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,024
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,216
−HK$3,238/mo
Today · 4.125%
HK$125,454
baseline
▲ 0.50% · 4.625%
HK$132,067
+HK$6,613/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,908/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,820
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$128,703
−HK$3,944/mo
Today · 4.125%
HK$132,647
baseline
▲ 0.50% · 4.625%
HK$140,719
+HK$8,072/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$265,294/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,861
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,585
−HK$3,778/mo
Today · 4.125%
HK$146,363
baseline
▲ 0.50% · 4.625%
HK$154,078
+HK$7,715/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$292,726/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,483
−HK$10,064/mo
▼ 0.25% · 3.875%
HK$165,475
−HK$5,072/mo
Today · 4.125%
HK$170,547
baseline
▲ 0.50% · 4.625%
HK$180,924
+HK$10,377/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$341,094/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,536
−HK$9,645/mo
▼ 0.25% · 3.875%
HK$183,324
−HK$4,857/mo
Today · 4.125%
HK$188,181
baseline
▲ 0.50% · 4.625%
HK$198,101
+HK$9,920/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$376,362/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,735 · Scale 2, in force from 26 Feb 2026)