LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,308
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,086
−HK$2,822/mo
Today · 4.125%
HK$94,908
baseline
▲ 0.50% · 4.625%
HK$100,683
+HK$5,775/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$189,816/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,664,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,354
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,018
−HK$2,704/mo
Today · 4.125%
HK$104,722
baseline
▲ 0.50% · 4.625%
HK$110,242
+HK$5,520/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$209,444/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,664,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,169
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$110,503
−HK$3,387/mo
Today · 4.125%
HK$113,890
baseline
▲ 0.50% · 4.625%
HK$120,819
+HK$6,929/mo
Deposit HK$15.67M · loan HK$23.50M · min. income ≈ HK$227,780/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,225
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,422
−HK$3,244/mo
Today · 4.125%
HK$125,666
baseline
▲ 0.50% · 4.625%
HK$132,290
+HK$6,624/mo
Deposit HK$15.67M · loan HK$23.50M · min. income ≈ HK$251,332/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,031
−HK$7,840/mo
▼ 0.25% · 3.875%
HK$128,920
−HK$3,951/mo
Today · 4.125%
HK$132,871
baseline
▲ 0.50% · 4.625%
HK$140,956
+HK$8,085/mo
Deposit HK$11.75M · loan HK$27.42M · min. income ≈ HK$265,742/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,095
−HK$7,515/mo
▼ 0.25% · 3.875%
HK$142,826
−HK$3,784/mo
Today · 4.125%
HK$146,610
baseline
▲ 0.50% · 4.625%
HK$154,338
+HK$7,728/mo
Deposit HK$11.75M · loan HK$27.42M · min. income ≈ HK$293,220/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,754
−HK$10,080/mo
▼ 0.25% · 3.875%
HK$165,754
−HK$5,080/mo
Today · 4.125%
HK$170,834
baseline
▲ 0.50% · 4.625%
HK$181,229
+HK$10,395/mo
Deposit HK$3.92M · loan HK$35.25M · min. income ≈ HK$341,668/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,837
−HK$9,662/mo
▼ 0.25% · 3.875%
HK$183,633
−HK$4,866/mo
Today · 4.125%
HK$188,499
baseline
▲ 0.50% · 4.625%
HK$198,435
+HK$9,936/mo
Deposit HK$3.92M · loan HK$35.25M · min. income ≈ HK$376,998/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,538 · Scale 2, in force from 26 Feb 2026)