LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,170
−HK$5,591/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$1,661,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,200
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,861
−HK$2,699/mo
Today · 4.125%
HK$104,560
baseline
▲ 0.50% · 4.625%
HK$110,071
+HK$5,511/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,120/mo (50% DSR)
Upfront cash ≈ HK$21.21M (deposit + AVD stamp duty HK$1,661,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,004
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$110,332
−HK$3,382/mo
Today · 4.125%
HK$113,714
baseline
▲ 0.50% · 4.625%
HK$120,633
+HK$6,919/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,428/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,040
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,233
−HK$3,239/mo
Today · 4.125%
HK$125,472
baseline
▲ 0.50% · 4.625%
HK$132,086
+HK$6,614/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,944/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,661,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,837
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$128,721
−HK$3,945/mo
Today · 4.125%
HK$132,666
baseline
▲ 0.50% · 4.625%
HK$140,738
+HK$8,072/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$265,332/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,880
−HK$7,504/mo
▼ 0.25% · 3.875%
HK$142,605
−HK$3,779/mo
Today · 4.125%
HK$146,384
baseline
▲ 0.50% · 4.625%
HK$154,100
+HK$7,716/mo
Deposit HK$11.73M · loan HK$27.37M · min. income ≈ HK$292,768/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,661,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,505
−HK$10,065/mo
▼ 0.25% · 3.875%
HK$165,498
−HK$5,072/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$1,661,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,561
−HK$9,647/mo
▼ 0.25% · 3.875%
HK$183,349
−HK$4,859/mo
Today · 4.125%
HK$188,208
baseline
▲ 0.50% · 4.625%
HK$198,128
+HK$9,920/mo
Deposit HK$3.91M · loan HK$35.19M · min. income ≈ HK$376,416/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,661,967 · Scale 2, in force from 26 Feb 2026)