LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,243
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,988
−HK$2,789/mo
Today · 4.125%
HK$93,777
baseline
▲ 0.50% · 4.625%
HK$99,483
+HK$5,706/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$187,554/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,170
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,803
−HK$2,671/mo
Today · 4.125%
HK$103,474
baseline
▲ 0.50% · 4.625%
HK$108,928
+HK$5,454/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$206,948/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,892
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,186
−HK$3,346/mo
Today · 4.125%
HK$112,532
baseline
▲ 0.50% · 4.625%
HK$119,380
+HK$6,848/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$225,064/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,804
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$120,963
−HK$3,205/mo
Today · 4.125%
HK$124,168
baseline
▲ 0.50% · 4.625%
HK$130,713
+HK$6,545/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$248,336/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,541
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$127,383
−HK$3,905/mo
Today · 4.125%
HK$131,288
baseline
▲ 0.50% · 4.625%
HK$139,276
+HK$7,988/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$262,576/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,438
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,124
−HK$3,739/mo
Today · 4.125%
HK$144,863
baseline
▲ 0.50% · 4.625%
HK$152,499
+HK$7,636/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$289,726/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,838
−HK$9,961/mo
▼ 0.25% · 3.875%
HK$163,779
−HK$5,020/mo
Today · 4.125%
HK$168,799
baseline
▲ 0.50% · 4.625%
HK$179,069
+HK$10,270/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$337,598/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,706
−HK$9,547/mo
▼ 0.25% · 3.875%
HK$181,445
−HK$4,808/mo
Today · 4.125%
HK$186,253
baseline
▲ 0.50% · 4.625%
HK$196,070
+HK$9,817/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$372,506/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,702 · Scale 2, in force from 26 Feb 2026)