LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,471
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,254
−HK$2,827/mo
Today · 4.125%
HK$95,081
baseline
▲ 0.50% · 4.625%
HK$100,867
+HK$5,786/mo
Deposit HK$19.62M · loan HK$19.62M · min. income ≈ HK$190,162/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$1,667,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,535
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$102,205
−HK$2,708/mo
Today · 4.125%
HK$104,913
baseline
▲ 0.50% · 4.625%
HK$110,443
+HK$5,530/mo
Deposit HK$19.62M · loan HK$19.62M · min. income ≈ HK$209,826/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$1,667,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,365
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,705
−HK$3,393/mo
Today · 4.125%
HK$114,098
baseline
▲ 0.50% · 4.625%
HK$121,040
+HK$6,942/mo
Deposit HK$15.69M · loan HK$23.54M · min. income ≈ HK$228,196/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,667,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,443
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,646
−HK$3,250/mo
Today · 4.125%
HK$125,896
baseline
▲ 0.50% · 4.625%
HK$132,532
+HK$6,636/mo
Deposit HK$15.69M · loan HK$23.54M · min. income ≈ HK$251,792/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,667,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,259
−HK$7,855/mo
▼ 0.25% · 3.875%
HK$129,155
−HK$3,959/mo
Today · 4.125%
HK$133,114
baseline
▲ 0.50% · 4.625%
HK$141,214
+HK$8,100/mo
Deposit HK$11.77M · loan HK$27.47M · min. income ≈ HK$266,228/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,667,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,350
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$143,087
−HK$3,791/mo
Today · 4.125%
HK$146,878
baseline
▲ 0.50% · 4.625%
HK$154,620
+HK$7,742/mo
Deposit HK$11.77M · loan HK$27.47M · min. income ≈ HK$293,756/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,667,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,048
−HK$10,099/mo
▼ 0.25% · 3.875%
HK$166,057
−HK$5,090/mo
Today · 4.125%
HK$171,147
baseline
▲ 0.50% · 4.625%
HK$181,561
+HK$10,414/mo
Deposit HK$3.92M · loan HK$35.31M · min. income ≈ HK$342,294/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,667,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,164
−HK$9,679/mo
▼ 0.25% · 3.875%
HK$183,969
−HK$4,874/mo
Today · 4.125%
HK$188,843
baseline
▲ 0.50% · 4.625%
HK$198,798
+HK$9,955/mo
Deposit HK$3.92M · loan HK$35.31M · min. income ≈ HK$377,686/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,667,581 · Scale 2, in force from 26 Feb 2026)