LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,240
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,984
−HK$2,789/mo
Today · 4.125%
HK$93,773
baseline
▲ 0.50% · 4.625%
HK$99,479
+HK$5,706/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$187,546/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,166
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$100,799
−HK$2,670/mo
Today · 4.125%
HK$103,469
baseline
▲ 0.50% · 4.625%
HK$108,923
+HK$5,454/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$206,938/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,888
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,181
−HK$3,347/mo
Today · 4.125%
HK$112,528
baseline
▲ 0.50% · 4.625%
HK$119,375
+HK$6,847/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$225,056/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,799
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$120,958
−HK$3,205/mo
Today · 4.125%
HK$124,163
baseline
▲ 0.50% · 4.625%
HK$130,708
+HK$6,545/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$248,326/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,536
−HK$7,746/mo
▼ 0.25% · 3.875%
HK$127,378
−HK$3,904/mo
Today · 4.125%
HK$131,282
baseline
▲ 0.50% · 4.625%
HK$139,271
+HK$7,989/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$262,564/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,432
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,118
−HK$3,739/mo
Today · 4.125%
HK$144,857
baseline
▲ 0.50% · 4.625%
HK$152,493
+HK$7,636/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$289,714/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,831
−HK$9,961/mo
▼ 0.25% · 3.875%
HK$163,772
−HK$5,020/mo
Today · 4.125%
HK$168,792
baseline
▲ 0.50% · 4.625%
HK$179,062
+HK$10,270/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$337,584/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,698
−HK$9,547/mo
▼ 0.25% · 3.875%
HK$181,437
−HK$4,808/mo
Today · 4.125%
HK$186,245
baseline
▲ 0.50% · 4.625%
HK$196,062
+HK$9,817/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$372,490/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,634 · Scale 2, in force from 26 Feb 2026)