LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,537
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$92,323
−HK$2,829/mo
Today · 4.125%
HK$95,152
baseline
▲ 0.50% · 4.625%
HK$100,942
+HK$5,790/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$190,304/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,610
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$102,281
−HK$2,710/mo
Today · 4.125%
HK$104,991
baseline
▲ 0.50% · 4.625%
HK$110,525
+HK$5,534/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$209,982/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,445
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$110,787
−HK$3,396/mo
Today · 4.125%
HK$114,183
baseline
▲ 0.50% · 4.625%
HK$121,130
+HK$6,947/mo
Deposit HK$15.71M · loan HK$23.56M · min. income ≈ HK$228,366/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,668,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,531
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$122,737
−HK$3,252/mo
Today · 4.125%
HK$125,989
baseline
▲ 0.50% · 4.625%
HK$132,630
+HK$6,641/mo
Deposit HK$15.71M · loan HK$23.56M · min. income ≈ HK$251,978/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,668,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,352
−HK$7,861/mo
▼ 0.25% · 3.875%
HK$129,252
−HK$3,961/mo
Today · 4.125%
HK$133,213
baseline
▲ 0.50% · 4.625%
HK$141,319
+HK$8,106/mo
Deposit HK$11.78M · loan HK$27.49M · min. income ≈ HK$266,426/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,668,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,453
−HK$7,535/mo
▼ 0.25% · 3.875%
HK$143,193
−HK$3,795/mo
Today · 4.125%
HK$146,988
baseline
▲ 0.50% · 4.625%
HK$154,735
+HK$7,747/mo
Deposit HK$11.78M · loan HK$27.49M · min. income ≈ HK$293,976/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,668,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,167
−HK$10,107/mo
▼ 0.25% · 3.875%
HK$166,181
−HK$5,093/mo
Today · 4.125%
HK$171,274
baseline
▲ 0.50% · 4.625%
HK$181,696
+HK$10,422/mo
Deposit HK$3.93M · loan HK$35.34M · min. income ≈ HK$342,548/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,668,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,297
−HK$9,687/mo
▼ 0.25% · 3.875%
HK$184,106
−HK$4,878/mo
Today · 4.125%
HK$188,984
baseline
▲ 0.50% · 4.625%
HK$198,946
+HK$9,962/mo
Deposit HK$3.93M · loan HK$35.34M · min. income ≈ HK$377,968/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,668,823 · Scale 2, in force from 26 Feb 2026)