LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,160
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,934
−HK$2,817/mo
Today · 4.125%
HK$94,751
baseline
▲ 0.50% · 4.625%
HK$100,517
+HK$5,766/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$1,661,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,190
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,850
−HK$2,699/mo
Today · 4.125%
HK$104,549
baseline
▲ 0.50% · 4.625%
HK$110,060
+HK$5,511/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,098/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,992
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$110,320
−HK$3,382/mo
Today · 4.125%
HK$113,702
baseline
▲ 0.50% · 4.625%
HK$120,620
+HK$6,918/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,404/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,028
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,220
−HK$3,239/mo
Today · 4.125%
HK$125,459
baseline
▲ 0.50% · 4.625%
HK$132,072
+HK$6,613/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,918/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,824
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$128,707
−HK$3,945/mo
Today · 4.125%
HK$132,652
baseline
▲ 0.50% · 4.625%
HK$140,724
+HK$8,072/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$265,304/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,866
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,590
−HK$3,778/mo
Today · 4.125%
HK$146,368
baseline
▲ 0.50% · 4.625%
HK$154,084
+HK$7,716/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$292,736/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,489
−HK$10,064/mo
▼ 0.25% · 3.875%
HK$165,481
−HK$5,072/mo
Today · 4.125%
HK$170,553
baseline
▲ 0.50% · 4.625%
HK$180,930
+HK$10,377/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$341,106/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,542
−HK$9,646/mo
▼ 0.25% · 3.875%
HK$183,330
−HK$4,858/mo
Today · 4.125%
HK$188,188
baseline
▲ 0.50% · 4.625%
HK$198,108
+HK$9,920/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$376,376/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,793 · Scale 2, in force from 26 Feb 2026)