LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,183
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,957
−HK$2,818/mo
Today · 4.125%
HK$94,775
baseline
▲ 0.50% · 4.625%
HK$100,542
+HK$5,767/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,550/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,215
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,876
−HK$2,699/mo
Today · 4.125%
HK$104,575
baseline
▲ 0.50% · 4.625%
HK$110,088
+HK$5,513/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,150/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,020
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,348
−HK$3,383/mo
Today · 4.125%
HK$113,731
baseline
▲ 0.50% · 4.625%
HK$120,651
+HK$6,920/mo
Deposit HK$15.64M · loan HK$23.47M · min. income ≈ HK$227,462/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,058
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,251
−HK$3,239/mo
Today · 4.125%
HK$125,490
baseline
▲ 0.50% · 4.625%
HK$132,105
+HK$6,615/mo
Deposit HK$15.64M · loan HK$23.47M · min. income ≈ HK$250,980/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,856
−HK$7,830/mo
▼ 0.25% · 3.875%
HK$128,740
−HK$3,946/mo
Today · 4.125%
HK$132,686
baseline
▲ 0.50% · 4.625%
HK$140,759
+HK$8,073/mo
Deposit HK$11.73M · loan HK$27.38M · min. income ≈ HK$265,372/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,901
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$142,626
−HK$3,780/mo
Today · 4.125%
HK$146,406
baseline
▲ 0.50% · 4.625%
HK$154,123
+HK$7,717/mo
Deposit HK$11.73M · loan HK$27.38M · min. income ≈ HK$292,812/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,529
−HK$10,067/mo
▼ 0.25% · 3.875%
HK$165,523
−HK$5,073/mo
Today · 4.125%
HK$170,596
baseline
▲ 0.50% · 4.625%
HK$180,976
+HK$10,380/mo
Deposit HK$3.91M · loan HK$35.20M · min. income ≈ HK$341,192/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,587
−HK$9,649/mo
▼ 0.25% · 3.875%
HK$183,377
−HK$4,859/mo
Today · 4.125%
HK$188,236
baseline
▲ 0.50% · 4.625%
HK$198,158
+HK$9,922/mo
Deposit HK$3.91M · loan HK$35.20M · min. income ≈ HK$376,472/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,215 · Scale 2, in force from 26 Feb 2026)