LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,132
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,873
−HK$2,786/mo
Today · 4.125%
HK$93,659
baseline
▲ 0.50% · 4.625%
HK$99,358
+HK$5,699/mo
Deposit HK$19.33M · loan HK$19.33M · min. income ≈ HK$187,318/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$1,642,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,046
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,676
−HK$2,667/mo
Today · 4.125%
HK$103,343
baseline
▲ 0.50% · 4.625%
HK$108,791
+HK$5,448/mo
Deposit HK$19.33M · loan HK$19.33M · min. income ≈ HK$206,686/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$1,642,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,758
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$109,048
−HK$3,342/mo
Today · 4.125%
HK$112,390
baseline
▲ 0.50% · 4.625%
HK$119,229
+HK$6,839/mo
Deposit HK$15.46M · loan HK$23.19M · min. income ≈ HK$224,780/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,655
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,811
−HK$3,201/mo
Today · 4.125%
HK$124,012
baseline
▲ 0.50% · 4.625%
HK$130,549
+HK$6,537/mo
Deposit HK$15.46M · loan HK$23.19M · min. income ≈ HK$248,024/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,385
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$127,223
−HK$3,899/mo
Today · 4.125%
HK$131,122
baseline
▲ 0.50% · 4.625%
HK$139,101
+HK$7,979/mo
Deposit HK$11.60M · loan HK$27.06M · min. income ≈ HK$262,244/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,642,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,264
−HK$7,416/mo
▼ 0.25% · 3.875%
HK$140,946
−HK$3,734/mo
Today · 4.125%
HK$144,680
baseline
▲ 0.50% · 4.625%
HK$152,307
+HK$7,627/mo
Deposit HK$11.60M · loan HK$27.06M · min. income ≈ HK$289,360/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,642,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,638
−HK$9,948/mo
▼ 0.25% · 3.875%
HK$163,572
−HK$5,014/mo
Today · 4.125%
HK$168,586
baseline
▲ 0.50% · 4.625%
HK$178,844
+HK$10,258/mo
Deposit HK$3.87M · loan HK$34.79M · min. income ≈ HK$337,172/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,483
−HK$9,535/mo
▼ 0.25% · 3.875%
HK$181,216
−HK$4,802/mo
Today · 4.125%
HK$186,018
baseline
▲ 0.50% · 4.625%
HK$195,823
+HK$9,805/mo
Deposit HK$3.87M · loan HK$34.79M · min. income ≈ HK$372,036/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,628 · Scale 2, in force from 26 Feb 2026)