LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,169
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,943
−HK$2,818/mo
Today · 4.125%
HK$94,761
baseline
▲ 0.50% · 4.625%
HK$100,527
+HK$5,766/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,522/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,200
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,860
−HK$2,699/mo
Today · 4.125%
HK$104,559
baseline
▲ 0.50% · 4.625%
HK$110,071
+HK$5,512/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,118/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,003
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$110,332
−HK$3,381/mo
Today · 4.125%
HK$113,713
baseline
▲ 0.50% · 4.625%
HK$120,632
+HK$6,919/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,426/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,040
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,233
−HK$3,238/mo
Today · 4.125%
HK$125,471
baseline
▲ 0.50% · 4.625%
HK$132,085
+HK$6,614/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,942/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,837
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$128,720
−HK$3,945/mo
Today · 4.125%
HK$132,665
baseline
▲ 0.50% · 4.625%
HK$140,738
+HK$8,073/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$265,330/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,880
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$142,605
−HK$3,778/mo
Today · 4.125%
HK$146,383
baseline
▲ 0.50% · 4.625%
HK$154,099
+HK$7,716/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$292,766/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,505
−HK$10,065/mo
▼ 0.25% · 3.875%
HK$165,497
−HK$5,073/mo
Today · 4.125%
HK$170,570
baseline
▲ 0.50% · 4.625%
HK$180,949
+HK$10,379/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$341,140/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,560
−HK$9,647/mo
▼ 0.25% · 3.875%
HK$183,349
−HK$4,858/mo
Today · 4.125%
HK$188,207
baseline
▲ 0.50% · 4.625%
HK$198,128
+HK$9,921/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$376,414/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,961 · Scale 2, in force from 26 Feb 2026)