LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,404
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,185
−HK$2,825/mo
Today · 4.125%
HK$95,010
baseline
▲ 0.50% · 4.625%
HK$100,792
+HK$5,782/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$190,020/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,461
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,128
−HK$2,707/mo
Today · 4.125%
HK$104,835
baseline
▲ 0.50% · 4.625%
HK$110,361
+HK$5,526/mo
Deposit HK$19.60M · loan HK$19.60M · min. income ≈ HK$209,670/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,285
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,622
−HK$3,390/mo
Today · 4.125%
HK$114,012
baseline
▲ 0.50% · 4.625%
HK$120,950
+HK$6,938/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$228,024/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,353
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$122,554
−HK$3,247/mo
Today · 4.125%
HK$125,801
baseline
▲ 0.50% · 4.625%
HK$132,433
+HK$6,632/mo
Deposit HK$15.68M · loan HK$23.52M · min. income ≈ HK$251,602/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,166
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$129,059
−HK$3,956/mo
Today · 4.125%
HK$133,015
baseline
▲ 0.50% · 4.625%
HK$141,108
+HK$8,093/mo
Deposit HK$11.76M · loan HK$27.45M · min. income ≈ HK$266,030/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,245
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$142,980
−HK$3,788/mo
Today · 4.125%
HK$146,768
baseline
▲ 0.50% · 4.625%
HK$154,505
+HK$7,737/mo
Deposit HK$11.76M · loan HK$27.45M · min. income ≈ HK$293,536/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,927
−HK$10,092/mo
▼ 0.25% · 3.875%
HK$165,933
−HK$5,086/mo
Today · 4.125%
HK$171,019
baseline
▲ 0.50% · 4.625%
HK$181,425
+HK$10,406/mo
Deposit HK$3.92M · loan HK$35.29M · min. income ≈ HK$342,038/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,030
−HK$9,672/mo
▼ 0.25% · 3.875%
HK$183,831
−HK$4,871/mo
Today · 4.125%
HK$188,702
baseline
▲ 0.50% · 4.625%
HK$198,649
+HK$9,947/mo
Deposit HK$3.92M · loan HK$35.29M · min. income ≈ HK$377,404/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,334 · Scale 2, in force from 26 Feb 2026)