LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,438
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,220
−HK$2,826/mo
Today · 4.125%
HK$95,046
baseline
▲ 0.50% · 4.625%
HK$100,829
+HK$5,783/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$190,092/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$1,666,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,498
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,167
−HK$2,707/mo
Today · 4.125%
HK$104,874
baseline
▲ 0.50% · 4.625%
HK$110,402
+HK$5,528/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$209,748/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$1,666,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,325
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,663
−HK$3,392/mo
Today · 4.125%
HK$114,055
baseline
▲ 0.50% · 4.625%
HK$120,995
+HK$6,940/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$228,110/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,666,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,398
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,600
−HK$3,249/mo
Today · 4.125%
HK$125,849
baseline
▲ 0.50% · 4.625%
HK$132,482
+HK$6,633/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$251,698/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,666,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,213
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$129,107
−HK$3,958/mo
Today · 4.125%
HK$133,065
baseline
▲ 0.50% · 4.625%
HK$141,161
+HK$8,096/mo
Deposit HK$11.77M · loan HK$27.46M · min. income ≈ HK$266,130/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,298
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$143,034
−HK$3,790/mo
Today · 4.125%
HK$146,824
baseline
▲ 0.50% · 4.625%
HK$154,563
+HK$7,739/mo
Deposit HK$11.77M · loan HK$27.46M · min. income ≈ HK$293,648/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,988
−HK$10,095/mo
▼ 0.25% · 3.875%
HK$165,995
−HK$5,088/mo
Today · 4.125%
HK$171,083
baseline
▲ 0.50% · 4.625%
HK$181,493
+HK$10,410/mo
Deposit HK$3.92M · loan HK$35.30M · min. income ≈ HK$342,166/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,097
−HK$9,676/mo
▼ 0.25% · 3.875%
HK$183,900
−HK$4,873/mo
Today · 4.125%
HK$188,773
baseline
▲ 0.50% · 4.625%
HK$198,724
+HK$9,951/mo
Deposit HK$3.92M · loan HK$35.30M · min. income ≈ HK$377,546/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,960 · Scale 2, in force from 26 Feb 2026)