LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,415
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,196
−HK$2,826/mo
Today · 4.125%
HK$95,022
baseline
▲ 0.50% · 4.625%
HK$100,804
+HK$5,782/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$190,044/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,473
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,141
−HK$2,706/mo
Today · 4.125%
HK$104,847
baseline
▲ 0.50% · 4.625%
HK$110,374
+HK$5,527/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$209,694/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,298
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,635
−HK$3,391/mo
Today · 4.125%
HK$114,026
baseline
▲ 0.50% · 4.625%
HK$120,964
+HK$6,938/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$228,052/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,367
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,569
−HK$3,248/mo
Today · 4.125%
HK$125,817
baseline
▲ 0.50% · 4.625%
HK$132,448
+HK$6,631/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$251,634/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,181
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$129,074
−HK$3,956/mo
Today · 4.125%
HK$133,030
baseline
▲ 0.50% · 4.625%
HK$141,125
+HK$8,095/mo
Deposit HK$11.76M · loan HK$27.45M · min. income ≈ HK$266,060/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,262
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$142,997
−HK$3,789/mo
Today · 4.125%
HK$146,786
baseline
▲ 0.50% · 4.625%
HK$154,523
+HK$7,737/mo
Deposit HK$11.76M · loan HK$27.45M · min. income ≈ HK$293,572/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,946
−HK$10,093/mo
▼ 0.25% · 3.875%
HK$165,953
−HK$5,086/mo
Today · 4.125%
HK$171,039
baseline
▲ 0.50% · 4.625%
HK$181,446
+HK$10,407/mo
Deposit HK$3.92M · loan HK$35.29M · min. income ≈ HK$342,078/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,051
−HK$9,674/mo
▼ 0.25% · 3.875%
HK$183,853
−HK$4,872/mo
Today · 4.125%
HK$188,725
baseline
▲ 0.50% · 4.625%
HK$198,673
+HK$9,948/mo
Deposit HK$3.92M · loan HK$35.29M · min. income ≈ HK$377,450/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,533 · Scale 2, in force from 26 Feb 2026)