LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,248
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,993
−HK$2,789/mo
Today · 4.125%
HK$93,782
baseline
▲ 0.50% · 4.625%
HK$99,489
+HK$5,707/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$187,564/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$1,644,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,175
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,808
−HK$2,672/mo
Today · 4.125%
HK$103,480
baseline
▲ 0.50% · 4.625%
HK$108,934
+HK$5,454/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$206,960/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$1,644,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,898
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,192
−HK$3,347/mo
Today · 4.125%
HK$112,539
baseline
▲ 0.50% · 4.625%
HK$119,387
+HK$6,848/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$225,078/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,644,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,811
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,970
−HK$3,206/mo
Today · 4.125%
HK$124,176
baseline
▲ 0.50% · 4.625%
HK$130,721
+HK$6,545/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$248,352/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,644,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,548
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$127,391
−HK$3,904/mo
Today · 4.125%
HK$131,295
baseline
▲ 0.50% · 4.625%
HK$139,284
+HK$7,989/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$262,590/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,644,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,446
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,132
−HK$3,739/mo
Today · 4.125%
HK$144,871
baseline
▲ 0.50% · 4.625%
HK$152,508
+HK$7,637/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$289,742/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,644,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,847
−HK$9,961/mo
▼ 0.25% · 3.875%
HK$163,788
−HK$5,020/mo
Today · 4.125%
HK$168,808
baseline
▲ 0.50% · 4.625%
HK$179,080
+HK$10,272/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$337,616/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,716
−HK$9,547/mo
▼ 0.25% · 3.875%
HK$181,455
−HK$4,808/mo
Today · 4.125%
HK$186,263
baseline
▲ 0.50% · 4.625%
HK$196,081
+HK$9,818/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$372,526/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,797 · Scale 2, in force from 26 Feb 2026)