LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,420
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,201
−HK$2,826/mo
Today · 4.125%
HK$95,027
baseline
▲ 0.50% · 4.625%
HK$100,810
+HK$5,783/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$190,054/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,479
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,147
−HK$2,706/mo
Today · 4.125%
HK$104,853
baseline
▲ 0.50% · 4.625%
HK$110,380
+HK$5,527/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$209,706/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,304
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$110,642
−HK$3,391/mo
Today · 4.125%
HK$114,033
baseline
▲ 0.50% · 4.625%
HK$120,971
+HK$6,938/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$228,066/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,374
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,576
−HK$3,248/mo
Today · 4.125%
HK$125,824
baseline
▲ 0.50% · 4.625%
HK$132,456
+HK$6,632/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$251,648/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,188
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$129,082
−HK$3,956/mo
Today · 4.125%
HK$133,038
baseline
▲ 0.50% · 4.625%
HK$141,133
+HK$8,095/mo
Deposit HK$11.76M · loan HK$27.45M · min. income ≈ HK$266,076/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,270
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$143,005
−HK$3,790/mo
Today · 4.125%
HK$146,795
baseline
▲ 0.50% · 4.625%
HK$154,532
+HK$7,737/mo
Deposit HK$11.76M · loan HK$27.45M · min. income ≈ HK$293,590/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,956
−HK$10,093/mo
▼ 0.25% · 3.875%
HK$165,962
−HK$5,087/mo
Today · 4.125%
HK$171,049
baseline
▲ 0.50% · 4.625%
HK$181,457
+HK$10,408/mo
Deposit HK$3.92M · loan HK$35.29M · min. income ≈ HK$342,098/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,062
−HK$9,674/mo
▼ 0.25% · 3.875%
HK$183,864
−HK$4,872/mo
Today · 4.125%
HK$188,736
baseline
▲ 0.50% · 4.625%
HK$198,684
+HK$9,948/mo
Deposit HK$3.92M · loan HK$35.29M · min. income ≈ HK$377,472/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,631 · Scale 2, in force from 26 Feb 2026)