LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,493
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$92,277
−HK$2,828/mo
Today · 4.125%
HK$95,105
baseline
▲ 0.50% · 4.625%
HK$100,892
+HK$5,787/mo
Deposit HK$19.62M · loan HK$19.62M · min. income ≈ HK$190,210/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$1,667,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,560
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,230
−HK$2,709/mo
Today · 4.125%
HK$104,939
baseline
▲ 0.50% · 4.625%
HK$110,470
+HK$5,531/mo
Deposit HK$19.62M · loan HK$19.62M · min. income ≈ HK$209,878/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$1,667,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,391
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,732
−HK$3,394/mo
Today · 4.125%
HK$114,126
baseline
▲ 0.50% · 4.625%
HK$121,070
+HK$6,944/mo
Deposit HK$15.70M · loan HK$23.55M · min. income ≈ HK$228,252/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,667,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,472
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,676
−HK$3,251/mo
Today · 4.125%
HK$125,927
baseline
▲ 0.50% · 4.625%
HK$132,564
+HK$6,637/mo
Deposit HK$15.70M · loan HK$23.55M · min. income ≈ HK$251,854/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,667,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,290
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$129,187
−HK$3,960/mo
Today · 4.125%
HK$133,147
baseline
▲ 0.50% · 4.625%
HK$141,248
+HK$8,101/mo
Deposit HK$11.77M · loan HK$27.47M · min. income ≈ HK$266,294/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,667,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,384
−HK$7,530/mo
▼ 0.25% · 3.875%
HK$143,122
−HK$3,792/mo
Today · 4.125%
HK$146,914
baseline
▲ 0.50% · 4.625%
HK$154,658
+HK$7,744/mo
Deposit HK$11.77M · loan HK$27.47M · min. income ≈ HK$293,828/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,667,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,087
−HK$10,102/mo
▼ 0.25% · 3.875%
HK$166,098
−HK$5,091/mo
Today · 4.125%
HK$171,189
baseline
▲ 0.50% · 4.625%
HK$181,605
+HK$10,416/mo
Deposit HK$3.92M · loan HK$35.32M · min. income ≈ HK$342,378/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,667,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,208
−HK$9,682/mo
▼ 0.25% · 3.875%
HK$184,014
−HK$4,876/mo
Today · 4.125%
HK$188,890
baseline
▲ 0.50% · 4.625%
HK$198,846
+HK$9,956/mo
Deposit HK$3.92M · loan HK$35.32M · min. income ≈ HK$377,780/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,667,991 · Scale 2, in force from 26 Feb 2026)