LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,175
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,949
−HK$2,818/mo
Today · 4.125%
HK$94,767
baseline
▲ 0.50% · 4.625%
HK$100,534
+HK$5,767/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$189,534/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,207
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,867
−HK$2,699/mo
Today · 4.125%
HK$104,566
baseline
▲ 0.50% · 4.625%
HK$110,078
+HK$5,512/mo
Deposit HK$19.55M · loan HK$19.55M · min. income ≈ HK$209,132/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,010
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,339
−HK$3,382/mo
Today · 4.125%
HK$113,721
baseline
▲ 0.50% · 4.625%
HK$120,641
+HK$6,920/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$227,442/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,048
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,241
−HK$3,239/mo
Today · 4.125%
HK$125,480
baseline
▲ 0.50% · 4.625%
HK$132,094
+HK$6,614/mo
Deposit HK$15.64M · loan HK$23.46M · min. income ≈ HK$250,960/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,845
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$128,729
−HK$3,945/mo
Today · 4.125%
HK$132,674
baseline
▲ 0.50% · 4.625%
HK$140,747
+HK$8,073/mo
Deposit HK$11.73M · loan HK$27.38M · min. income ≈ HK$265,348/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,662,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,889
−HK$7,504/mo
▼ 0.25% · 3.875%
HK$142,614
−HK$3,779/mo
Today · 4.125%
HK$146,393
baseline
▲ 0.50% · 4.625%
HK$154,110
+HK$7,717/mo
Deposit HK$11.73M · loan HK$27.38M · min. income ≈ HK$292,786/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,662,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,516
−HK$10,065/mo
▼ 0.25% · 3.875%
HK$165,509
−HK$5,072/mo
Today · 4.125%
HK$170,581
baseline
▲ 0.50% · 4.625%
HK$180,961
+HK$10,380/mo
Deposit HK$3.91M · loan HK$35.20M · min. income ≈ HK$341,162/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,572
−HK$9,648/mo
▼ 0.25% · 3.875%
HK$183,361
−HK$4,859/mo
Today · 4.125%
HK$188,220
baseline
▲ 0.50% · 4.625%
HK$198,141
+HK$9,921/mo
Deposit HK$3.91M · loan HK$35.20M · min. income ≈ HK$376,440/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,073 · Scale 2, in force from 26 Feb 2026)