LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,166
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,939
−HK$2,818/mo
Today · 4.125%
HK$94,757
baseline
▲ 0.50% · 4.625%
HK$100,523
+HK$5,766/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,514/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,196
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,856
−HK$2,699/mo
Today · 4.125%
HK$104,555
baseline
▲ 0.50% · 4.625%
HK$110,067
+HK$5,512/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,110/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,999
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$110,327
−HK$3,382/mo
Today · 4.125%
HK$113,709
baseline
▲ 0.50% · 4.625%
HK$120,628
+HK$6,919/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,418/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,035
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,228
−HK$3,238/mo
Today · 4.125%
HK$125,466
baseline
▲ 0.50% · 4.625%
HK$132,080
+HK$6,614/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,932/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,832
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$128,715
−HK$3,945/mo
Today · 4.125%
HK$132,660
baseline
▲ 0.50% · 4.625%
HK$140,732
+HK$8,072/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$265,320/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,874
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$142,599
−HK$3,778/mo
Today · 4.125%
HK$146,377
baseline
▲ 0.50% · 4.625%
HK$154,093
+HK$7,716/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$292,754/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,498
−HK$10,065/mo
▼ 0.25% · 3.875%
HK$165,491
−HK$5,072/mo
Today · 4.125%
HK$170,563
baseline
▲ 0.50% · 4.625%
HK$180,941
+HK$10,378/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$341,126/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,553
−HK$9,646/mo
▼ 0.25% · 3.875%
HK$183,342
−HK$4,857/mo
Today · 4.125%
HK$188,199
baseline
▲ 0.50% · 4.625%
HK$198,120
+HK$9,921/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$376,398/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,895 · Scale 2, in force from 26 Feb 2026)