LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,385
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,165
−HK$2,825/mo
Today · 4.125%
HK$94,990
baseline
▲ 0.50% · 4.625%
HK$100,770
+HK$5,780/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$189,980/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,665,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,440
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,107
−HK$2,705/mo
Today · 4.125%
HK$104,812
baseline
▲ 0.50% · 4.625%
HK$110,337
+HK$5,525/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$209,624/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,665,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,262
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,599
−HK$3,389/mo
Today · 4.125%
HK$113,988
baseline
▲ 0.50% · 4.625%
HK$120,924
+HK$6,936/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$227,976/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,665,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,328
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,528
−HK$3,247/mo
Today · 4.125%
HK$125,775
baseline
▲ 0.50% · 4.625%
HK$132,405
+HK$6,630/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$251,550/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,665,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,139
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$129,032
−HK$3,954/mo
Today · 4.125%
HK$132,986
baseline
▲ 0.50% · 4.625%
HK$141,078
+HK$8,092/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$265,972/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,665,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,216
−HK$7,521/mo
▼ 0.25% · 3.875%
HK$142,950
−HK$3,787/mo
Today · 4.125%
HK$146,737
baseline
▲ 0.50% · 4.625%
HK$154,472
+HK$7,735/mo
Deposit HK$11.76M · loan HK$27.44M · min. income ≈ HK$293,474/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,665,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,893
−HK$10,090/mo
▼ 0.25% · 3.875%
HK$165,898
−HK$5,085/mo
Today · 4.125%
HK$170,983
baseline
▲ 0.50% · 4.625%
HK$181,386
+HK$10,403/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$341,966/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,665,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,992
−HK$9,670/mo
▼ 0.25% · 3.875%
HK$183,793
−HK$4,869/mo
Today · 4.125%
HK$188,662
baseline
▲ 0.50% · 4.625%
HK$198,607
+HK$9,945/mo
Deposit HK$3.92M · loan HK$35.28M · min. income ≈ HK$377,324/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,665,983 · Scale 2, in force from 26 Feb 2026)