LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,187
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,930
−HK$2,787/mo
Today · 4.125%
HK$93,717
baseline
▲ 0.50% · 4.625%
HK$99,419
+HK$5,702/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$187,434/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$1,643,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,107
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,738
−HK$2,669/mo
Today · 4.125%
HK$103,407
baseline
▲ 0.50% · 4.625%
HK$108,858
+HK$5,451/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$206,814/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$1,643,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,824
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$109,116
−HK$3,344/mo
Today · 4.125%
HK$112,460
baseline
▲ 0.50% · 4.625%
HK$119,303
+HK$6,843/mo
Deposit HK$15.47M · loan HK$23.20M · min. income ≈ HK$224,920/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,643,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,728
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,885
−HK$3,203/mo
Today · 4.125%
HK$124,088
baseline
▲ 0.50% · 4.625%
HK$130,629
+HK$6,541/mo
Deposit HK$15.47M · loan HK$23.20M · min. income ≈ HK$248,176/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,643,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,461
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,302
−HK$3,901/mo
Today · 4.125%
HK$131,203
baseline
▲ 0.50% · 4.625%
HK$139,187
+HK$7,984/mo
Deposit HK$11.60M · loan HK$27.07M · min. income ≈ HK$262,406/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,643,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,349
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$141,033
−HK$3,737/mo
Today · 4.125%
HK$144,770
baseline
▲ 0.50% · 4.625%
HK$152,401
+HK$7,631/mo
Deposit HK$11.60M · loan HK$27.07M · min. income ≈ HK$289,540/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,643,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,736
−HK$9,954/mo
▼ 0.25% · 3.875%
HK$163,673
−HK$5,017/mo
Today · 4.125%
HK$168,690
baseline
▲ 0.50% · 4.625%
HK$178,954
+HK$10,264/mo
Deposit HK$3.87M · loan HK$34.81M · min. income ≈ HK$337,380/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,643,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,592
−HK$9,541/mo
▼ 0.25% · 3.875%
HK$181,328
−HK$4,805/mo
Today · 4.125%
HK$186,133
baseline
▲ 0.50% · 4.625%
HK$195,944
+HK$9,811/mo
Deposit HK$3.87M · loan HK$34.81M · min. income ≈ HK$372,266/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,643,644 · Scale 2, in force from 26 Feb 2026)