LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,242
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,987
−HK$2,789/mo
Today · 4.125%
HK$93,776
baseline
▲ 0.50% · 4.625%
HK$99,482
+HK$5,706/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$187,552/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,168
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,801
−HK$2,671/mo
Today · 4.125%
HK$103,472
baseline
▲ 0.50% · 4.625%
HK$108,926
+HK$5,454/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$206,944/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,891
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,184
−HK$3,347/mo
Today · 4.125%
HK$112,531
baseline
▲ 0.50% · 4.625%
HK$119,378
+HK$6,847/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$225,062/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,802
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,962
−HK$3,205/mo
Today · 4.125%
HK$124,167
baseline
▲ 0.50% · 4.625%
HK$130,712
+HK$6,545/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$248,334/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,539
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$127,382
−HK$3,904/mo
Today · 4.125%
HK$131,286
baseline
▲ 0.50% · 4.625%
HK$139,274
+HK$7,988/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$262,572/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,436
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,122
−HK$3,739/mo
Today · 4.125%
HK$144,861
baseline
▲ 0.50% · 4.625%
HK$152,497
+HK$7,636/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$289,722/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,836
−HK$9,960/mo
▼ 0.25% · 3.875%
HK$163,776
−HK$5,020/mo
Today · 4.125%
HK$168,796
baseline
▲ 0.50% · 4.625%
HK$179,067
+HK$10,271/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$337,592/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,703
−HK$9,547/mo
▼ 0.25% · 3.875%
HK$181,442
−HK$4,808/mo
Today · 4.125%
HK$186,250
baseline
▲ 0.50% · 4.625%
HK$196,067
+HK$9,817/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$372,500/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,679 · Scale 2, in force from 26 Feb 2026)