LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,185
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,928
−HK$2,787/mo
Today · 4.125%
HK$93,715
baseline
▲ 0.50% · 4.625%
HK$99,418
+HK$5,703/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$187,430/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$1,643,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,105
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,736
−HK$2,669/mo
Today · 4.125%
HK$103,405
baseline
▲ 0.50% · 4.625%
HK$108,856
+HK$5,451/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$206,810/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$1,643,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,822
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$109,114
−HK$3,344/mo
Today · 4.125%
HK$112,458
baseline
▲ 0.50% · 4.625%
HK$119,301
+HK$6,843/mo
Deposit HK$15.47M · loan HK$23.20M · min. income ≈ HK$224,916/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,643,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,726
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,884
−HK$3,203/mo
Today · 4.125%
HK$124,087
baseline
▲ 0.50% · 4.625%
HK$130,627
+HK$6,540/mo
Deposit HK$15.47M · loan HK$23.20M · min. income ≈ HK$248,174/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,643,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,459
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,300
−HK$3,901/mo
Today · 4.125%
HK$131,201
baseline
▲ 0.50% · 4.625%
HK$139,185
+HK$7,984/mo
Deposit HK$11.60M · loan HK$27.07M · min. income ≈ HK$262,402/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,643,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,347
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$141,031
−HK$3,737/mo
Today · 4.125%
HK$144,768
baseline
▲ 0.50% · 4.625%
HK$152,399
+HK$7,631/mo
Deposit HK$11.60M · loan HK$27.07M · min. income ≈ HK$289,536/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,643,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,733
−HK$9,954/mo
▼ 0.25% · 3.875%
HK$163,671
−HK$5,016/mo
Today · 4.125%
HK$168,687
baseline
▲ 0.50% · 4.625%
HK$178,952
+HK$10,265/mo
Deposit HK$3.87M · loan HK$34.81M · min. income ≈ HK$337,374/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,643,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,589
−HK$9,541/mo
▼ 0.25% · 3.875%
HK$181,325
−HK$4,805/mo
Today · 4.125%
HK$186,130
baseline
▲ 0.50% · 4.625%
HK$195,941
+HK$9,811/mo
Deposit HK$3.87M · loan HK$34.81M · min. income ≈ HK$372,260/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,643,619 · Scale 2, in force from 26 Feb 2026)