LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,453
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,235
−HK$2,827/mo
Today · 4.125%
HK$95,062
baseline
▲ 0.50% · 4.625%
HK$100,847
+HK$5,785/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$190,124/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$1,667,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,515
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,184
−HK$2,708/mo
Today · 4.125%
HK$104,892
baseline
▲ 0.50% · 4.625%
HK$110,421
+HK$5,529/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$209,784/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$1,667,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,343
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$110,682
−HK$3,393/mo
Today · 4.125%
HK$114,075
baseline
▲ 0.50% · 4.625%
HK$121,016
+HK$6,941/mo
Deposit HK$15.69M · loan HK$23.54M · min. income ≈ HK$228,150/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,667,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,419
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,621
−HK$3,249/mo
Today · 4.125%
HK$125,870
baseline
▲ 0.50% · 4.625%
HK$132,505
+HK$6,635/mo
Deposit HK$15.69M · loan HK$23.54M · min. income ≈ HK$251,740/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,667,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,234
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$129,130
−HK$3,957/mo
Today · 4.125%
HK$133,087
baseline
▲ 0.50% · 4.625%
HK$141,185
+HK$8,098/mo
Deposit HK$11.77M · loan HK$27.46M · min. income ≈ HK$266,174/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,667,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,322
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$143,058
−HK$3,791/mo
Today · 4.125%
HK$146,849
baseline
▲ 0.50% · 4.625%
HK$154,589
+HK$7,740/mo
Deposit HK$11.77M · loan HK$27.46M · min. income ≈ HK$293,698/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,667,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,015
−HK$10,097/mo
▼ 0.25% · 3.875%
HK$166,024
−HK$5,088/mo
Today · 4.125%
HK$171,112
baseline
▲ 0.50% · 4.625%
HK$181,524
+HK$10,412/mo
Deposit HK$3.92M · loan HK$35.31M · min. income ≈ HK$342,224/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,667,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,128
−HK$9,678/mo
▼ 0.25% · 3.875%
HK$183,932
−HK$4,874/mo
Today · 4.125%
HK$188,806
baseline
▲ 0.50% · 4.625%
HK$198,758
+HK$9,952/mo
Deposit HK$3.92M · loan HK$35.31M · min. income ≈ HK$377,612/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,667,246 · Scale 2, in force from 26 Feb 2026)