LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,214
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,989
−HK$2,819/mo
Today · 4.125%
HK$94,808
baseline
▲ 0.50% · 4.625%
HK$100,577
+HK$5,769/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,616/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,249
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,911
−HK$2,700/mo
Today · 4.125%
HK$104,611
baseline
▲ 0.50% · 4.625%
HK$110,126
+HK$5,515/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,222/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,056
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,386
−HK$3,384/mo
Today · 4.125%
HK$113,770
baseline
▲ 0.50% · 4.625%
HK$120,692
+HK$6,922/mo
Deposit HK$15.65M · loan HK$23.47M · min. income ≈ HK$227,540/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,099
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,293
−HK$3,241/mo
Today · 4.125%
HK$125,534
baseline
▲ 0.50% · 4.625%
HK$132,151
+HK$6,617/mo
Deposit HK$15.65M · loan HK$23.47M · min. income ≈ HK$251,068/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,899
−HK$7,832/mo
▼ 0.25% · 3.875%
HK$128,784
−HK$3,947/mo
Today · 4.125%
HK$132,731
baseline
▲ 0.50% · 4.625%
HK$140,808
+HK$8,077/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$265,462/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,949
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$142,675
−HK$3,781/mo
Today · 4.125%
HK$146,456
baseline
▲ 0.50% · 4.625%
HK$154,176
+HK$7,720/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$292,912/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,584
−HK$10,071/mo
▼ 0.25% · 3.875%
HK$165,580
−HK$5,075/mo
Today · 4.125%
HK$170,655
baseline
▲ 0.50% · 4.625%
HK$181,038
+HK$10,383/mo
Deposit HK$3.91M · loan HK$35.21M · min. income ≈ HK$341,310/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,662,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,649
−HK$9,651/mo
▼ 0.25% · 3.875%
HK$183,440
−HK$4,860/mo
Today · 4.125%
HK$188,300
baseline
▲ 0.50% · 4.625%
HK$198,226
+HK$9,926/mo
Deposit HK$3.91M · loan HK$35.21M · min. income ≈ HK$376,600/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,662,786 · Scale 2, in force from 26 Feb 2026)