LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,310
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,089
−HK$2,822/mo
Today · 4.125%
HK$94,911
baseline
▲ 0.50% · 4.625%
HK$100,686
+HK$5,775/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$189,822/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,664,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,357
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,022
−HK$2,703/mo
Today · 4.125%
HK$104,725
baseline
▲ 0.50% · 4.625%
HK$110,245
+HK$5,520/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$209,450/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,664,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,173
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$110,506
−HK$3,387/mo
Today · 4.125%
HK$113,893
baseline
▲ 0.50% · 4.625%
HK$120,823
+HK$6,930/mo
Deposit HK$15.67M · loan HK$23.50M · min. income ≈ HK$227,786/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,228
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$122,426
−HK$3,244/mo
Today · 4.125%
HK$125,670
baseline
▲ 0.50% · 4.625%
HK$132,294
+HK$6,624/mo
Deposit HK$15.67M · loan HK$23.50M · min. income ≈ HK$251,340/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,035
−HK$7,840/mo
▼ 0.25% · 3.875%
HK$128,924
−HK$3,951/mo
Today · 4.125%
HK$132,875
baseline
▲ 0.50% · 4.625%
HK$140,961
+HK$8,086/mo
Deposit HK$11.75M · loan HK$27.42M · min. income ≈ HK$265,750/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,100
−HK$7,515/mo
▼ 0.25% · 3.875%
HK$142,830
−HK$3,785/mo
Today · 4.125%
HK$146,615
baseline
▲ 0.50% · 4.625%
HK$154,343
+HK$7,728/mo
Deposit HK$11.75M · loan HK$27.42M · min. income ≈ HK$293,230/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,759
−HK$10,081/mo
▼ 0.25% · 3.875%
HK$165,759
−HK$5,081/mo
Today · 4.125%
HK$170,840
baseline
▲ 0.50% · 4.625%
HK$181,235
+HK$10,395/mo
Deposit HK$3.92M · loan HK$35.25M · min. income ≈ HK$341,680/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,843
−HK$9,662/mo
▼ 0.25% · 3.875%
HK$183,639
−HK$4,866/mo
Today · 4.125%
HK$188,505
baseline
▲ 0.50% · 4.625%
HK$198,441
+HK$9,936/mo
Deposit HK$3.92M · loan HK$35.25M · min. income ≈ HK$377,010/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,592 · Scale 2, in force from 26 Feb 2026)