LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,225
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,001
−HK$2,820/mo
Today · 4.125%
HK$94,821
baseline
▲ 0.50% · 4.625%
HK$100,590
+HK$5,769/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,642/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,262
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,925
−HK$2,700/mo
Today · 4.125%
HK$104,625
baseline
▲ 0.50% · 4.625%
HK$110,140
+HK$5,515/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,250/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,071
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,401
−HK$3,384/mo
Today · 4.125%
HK$113,785
baseline
▲ 0.50% · 4.625%
HK$120,708
+HK$6,923/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$227,570/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,663,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,115
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,310
−HK$3,240/mo
Today · 4.125%
HK$125,550
baseline
▲ 0.50% · 4.625%
HK$132,168
+HK$6,618/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$251,100/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,663,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,916
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$128,801
−HK$3,948/mo
Today · 4.125%
HK$132,749
baseline
▲ 0.50% · 4.625%
HK$140,826
+HK$8,077/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$265,498/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,663,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,967
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,694
−HK$3,781/mo
Today · 4.125%
HK$146,475
baseline
▲ 0.50% · 4.625%
HK$154,196
+HK$7,721/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$292,950/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,663,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,606
−HK$10,071/mo
▼ 0.25% · 3.875%
HK$165,602
−HK$5,075/mo
Today · 4.125%
HK$170,677
baseline
▲ 0.50% · 4.625%
HK$181,063
+HK$10,386/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$341,354/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,672
−HK$9,654/mo
▼ 0.25% · 3.875%
HK$183,464
−HK$4,862/mo
Today · 4.125%
HK$188,326
baseline
▲ 0.50% · 4.625%
HK$198,252
+HK$9,926/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$376,652/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,008 · Scale 2, in force from 26 Feb 2026)