LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,313
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,091
−HK$2,823/mo
Today · 4.125%
HK$94,914
baseline
▲ 0.50% · 4.625%
HK$100,689
+HK$5,775/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$189,828/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,664,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,360
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,025
−HK$2,703/mo
Today · 4.125%
HK$104,728
baseline
▲ 0.50% · 4.625%
HK$110,248
+HK$5,520/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$209,456/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,664,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,176
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$110,509
−HK$3,387/mo
Today · 4.125%
HK$113,896
baseline
▲ 0.50% · 4.625%
HK$120,827
+HK$6,931/mo
Deposit HK$15.67M · loan HK$23.50M · min. income ≈ HK$227,792/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,232
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,429
−HK$3,244/mo
Today · 4.125%
HK$125,673
baseline
▲ 0.50% · 4.625%
HK$132,298
+HK$6,625/mo
Deposit HK$15.67M · loan HK$23.50M · min. income ≈ HK$251,346/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,038
−HK$7,841/mo
▼ 0.25% · 3.875%
HK$128,928
−HK$3,951/mo
Today · 4.125%
HK$132,879
baseline
▲ 0.50% · 4.625%
HK$140,965
+HK$8,086/mo
Deposit HK$11.75M · loan HK$27.42M · min. income ≈ HK$265,758/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,664,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,104
−HK$7,515/mo
▼ 0.25% · 3.875%
HK$142,834
−HK$3,785/mo
Today · 4.125%
HK$146,619
baseline
▲ 0.50% · 4.625%
HK$154,348
+HK$7,729/mo
Deposit HK$11.75M · loan HK$27.42M · min. income ≈ HK$293,238/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,664,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,763
−HK$10,082/mo
▼ 0.25% · 3.875%
HK$165,764
−HK$5,081/mo
Today · 4.125%
HK$170,845
baseline
▲ 0.50% · 4.625%
HK$181,240
+HK$10,395/mo
Deposit HK$3.92M · loan HK$35.25M · min. income ≈ HK$341,690/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,848
−HK$9,662/mo
▼ 0.25% · 3.875%
HK$183,644
−HK$4,866/mo
Today · 4.125%
HK$188,510
baseline
▲ 0.50% · 4.625%
HK$198,447
+HK$9,937/mo
Deposit HK$3.92M · loan HK$35.25M · min. income ≈ HK$377,020/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,639 · Scale 2, in force from 26 Feb 2026)