LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,192
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,967
−HK$2,819/mo
Today · 4.125%
HK$94,786
baseline
▲ 0.50% · 4.625%
HK$100,553
+HK$5,767/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,572/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,226
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,887
−HK$2,699/mo
Today · 4.125%
HK$104,586
baseline
▲ 0.50% · 4.625%
HK$110,099
+HK$5,513/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,172/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,031
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$110,360
−HK$3,383/mo
Today · 4.125%
HK$113,743
baseline
▲ 0.50% · 4.625%
HK$120,664
+HK$6,921/mo
Deposit HK$15.65M · loan HK$23.47M · min. income ≈ HK$227,486/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,071
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,264
−HK$3,240/mo
Today · 4.125%
HK$125,504
baseline
▲ 0.50% · 4.625%
HK$132,119
+HK$6,615/mo
Deposit HK$15.65M · loan HK$23.47M · min. income ≈ HK$251,008/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,869
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$128,753
−HK$3,947/mo
Today · 4.125%
HK$132,700
baseline
▲ 0.50% · 4.625%
HK$140,774
+HK$8,074/mo
Deposit HK$11.73M · loan HK$27.38M · min. income ≈ HK$265,400/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,916
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$142,642
−HK$3,779/mo
Today · 4.125%
HK$146,421
baseline
▲ 0.50% · 4.625%
HK$154,139
+HK$7,718/mo
Deposit HK$11.73M · loan HK$27.38M · min. income ≈ HK$292,842/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,546
−HK$10,068/mo
▼ 0.25% · 3.875%
HK$165,540
−HK$5,074/mo
Today · 4.125%
HK$170,614
baseline
▲ 0.50% · 4.625%
HK$180,995
+HK$10,381/mo
Deposit HK$3.91M · loan HK$35.20M · min. income ≈ HK$341,228/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,606
−HK$9,650/mo
▼ 0.25% · 3.875%
HK$183,396
−HK$4,860/mo
Today · 4.125%
HK$188,256
baseline
▲ 0.50% · 4.625%
HK$198,179
+HK$9,923/mo
Deposit HK$3.91M · loan HK$35.20M · min. income ≈ HK$376,512/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,391 · Scale 2, in force from 26 Feb 2026)