LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,160
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,933
−HK$2,818/mo
Today · 4.125%
HK$94,751
baseline
▲ 0.50% · 4.625%
HK$100,516
+HK$5,765/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,502/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,189
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,849
−HK$2,699/mo
Today · 4.125%
HK$104,548
baseline
▲ 0.50% · 4.625%
HK$110,059
+HK$5,511/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,096/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,992
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,320
−HK$3,381/mo
Today · 4.125%
HK$113,701
baseline
▲ 0.50% · 4.625%
HK$120,619
+HK$6,918/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,402/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,027
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,219
−HK$3,239/mo
Today · 4.125%
HK$125,458
baseline
▲ 0.50% · 4.625%
HK$132,071
+HK$6,613/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,916/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,824
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$128,706
−HK$3,945/mo
Today · 4.125%
HK$132,651
baseline
▲ 0.50% · 4.625%
HK$140,723
+HK$8,072/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$265,302/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,865
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,589
−HK$3,778/mo
Today · 4.125%
HK$146,367
baseline
▲ 0.50% · 4.625%
HK$154,083
+HK$7,716/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$292,734/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,487
−HK$10,064/mo
▼ 0.25% · 3.875%
HK$165,480
−HK$5,071/mo
Today · 4.125%
HK$170,551
baseline
▲ 0.50% · 4.625%
HK$180,929
+HK$10,378/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$341,102/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,541
−HK$9,646/mo
▼ 0.25% · 3.875%
HK$183,329
−HK$4,858/mo
Today · 4.125%
HK$188,187
baseline
▲ 0.50% · 4.625%
HK$198,106
+HK$9,919/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$376,374/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,782 · Scale 2, in force from 26 Feb 2026)