LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,325
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,103
−HK$2,823/mo
Today · 4.125%
HK$94,926
baseline
▲ 0.50% · 4.625%
HK$100,702
+HK$5,776/mo
Deposit HK$19.59M · loan HK$19.59M · min. income ≈ HK$189,852/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,664,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,373
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,038
−HK$2,704/mo
Today · 4.125%
HK$104,742
baseline
▲ 0.50% · 4.625%
HK$110,263
+HK$5,521/mo
Deposit HK$19.59M · loan HK$19.59M · min. income ≈ HK$209,484/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,664,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,190
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$110,524
−HK$3,388/mo
Today · 4.125%
HK$113,912
baseline
▲ 0.50% · 4.625%
HK$120,843
+HK$6,931/mo
Deposit HK$15.67M · loan HK$23.50M · min. income ≈ HK$227,824/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,248
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$122,446
−HK$3,244/mo
Today · 4.125%
HK$125,690
baseline
▲ 0.50% · 4.625%
HK$132,316
+HK$6,626/mo
Deposit HK$15.67M · loan HK$23.50M · min. income ≈ HK$251,380/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,055
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$128,945
−HK$3,952/mo
Today · 4.125%
HK$132,897
baseline
▲ 0.50% · 4.625%
HK$140,983
+HK$8,086/mo
Deposit HK$11.75M · loan HK$27.42M · min. income ≈ HK$265,794/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,664,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,122
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$142,854
−HK$3,785/mo
Today · 4.125%
HK$146,639
baseline
▲ 0.50% · 4.625%
HK$154,368
+HK$7,729/mo
Deposit HK$11.75M · loan HK$27.42M · min. income ≈ HK$293,278/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,664,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,785
−HK$10,083/mo
▼ 0.25% · 3.875%
HK$165,786
−HK$5,082/mo
Today · 4.125%
HK$170,868
baseline
▲ 0.50% · 4.625%
HK$181,264
+HK$10,396/mo
Deposit HK$3.92M · loan HK$35.26M · min. income ≈ HK$341,736/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,872
−HK$9,664/mo
▼ 0.25% · 3.875%
HK$183,669
−HK$4,867/mo
Today · 4.125%
HK$188,536
baseline
▲ 0.50% · 4.625%
HK$198,474
+HK$9,938/mo
Deposit HK$3.92M · loan HK$35.26M · min. income ≈ HK$377,072/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,862 · Scale 2, in force from 26 Feb 2026)