LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,446
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,228
−HK$2,827/mo
Today · 4.125%
HK$95,055
baseline
▲ 0.50% · 4.625%
HK$100,839
+HK$5,784/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$190,110/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$1,667,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,508
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,176
−HK$2,708/mo
Today · 4.125%
HK$104,884
baseline
▲ 0.50% · 4.625%
HK$110,412
+HK$5,528/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$209,768/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$1,667,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,335
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$110,674
−HK$3,392/mo
Today · 4.125%
HK$114,066
baseline
▲ 0.50% · 4.625%
HK$121,006
+HK$6,940/mo
Deposit HK$15.69M · loan HK$23.54M · min. income ≈ HK$228,132/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,667,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,409
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,612
−HK$3,248/mo
Today · 4.125%
HK$125,860
baseline
▲ 0.50% · 4.625%
HK$132,495
+HK$6,635/mo
Deposit HK$15.69M · loan HK$23.54M · min. income ≈ HK$251,720/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,667,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,224
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$129,119
−HK$3,958/mo
Today · 4.125%
HK$133,077
baseline
▲ 0.50% · 4.625%
HK$141,174
+HK$8,097/mo
Deposit HK$11.77M · loan HK$27.46M · min. income ≈ HK$266,154/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,667,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,311
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$143,047
−HK$3,790/mo
Today · 4.125%
HK$146,837
baseline
▲ 0.50% · 4.625%
HK$154,577
+HK$7,740/mo
Deposit HK$11.77M · loan HK$27.46M · min. income ≈ HK$293,674/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,667,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,002
−HK$10,097/mo
▼ 0.25% · 3.875%
HK$166,011
−HK$5,088/mo
Today · 4.125%
HK$171,099
baseline
▲ 0.50% · 4.625%
HK$181,510
+HK$10,411/mo
Deposit HK$3.92M · loan HK$35.30M · min. income ≈ HK$342,198/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,667,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,114
−HK$9,677/mo
▼ 0.25% · 3.875%
HK$183,917
−HK$4,874/mo
Today · 4.125%
HK$188,791
baseline
▲ 0.50% · 4.625%
HK$198,742
+HK$9,951/mo
Deposit HK$3.92M · loan HK$35.30M · min. income ≈ HK$377,582/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,667,114 · Scale 2, in force from 26 Feb 2026)