LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,257
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,003
−HK$2,789/mo
Today · 4.125%
HK$93,792
baseline
▲ 0.50% · 4.625%
HK$99,499
+HK$5,707/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$187,584/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$1,644,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,185
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,819
−HK$2,671/mo
Today · 4.125%
HK$103,490
baseline
▲ 0.50% · 4.625%
HK$108,945
+HK$5,455/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$206,980/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$1,644,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,909
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,203
−HK$3,347/mo
Today · 4.125%
HK$112,550
baseline
▲ 0.50% · 4.625%
HK$119,399
+HK$6,849/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$225,100/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,644,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,822
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$120,982
−HK$3,206/mo
Today · 4.125%
HK$124,188
baseline
▲ 0.50% · 4.625%
HK$130,734
+HK$6,546/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$248,376/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,644,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,560
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$127,404
−HK$3,905/mo
Today · 4.125%
HK$131,309
baseline
▲ 0.50% · 4.625%
HK$139,298
+HK$7,989/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$262,618/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,644,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,460
−HK$7,426/mo
▼ 0.25% · 3.875%
HK$141,146
−HK$3,740/mo
Today · 4.125%
HK$144,886
baseline
▲ 0.50% · 4.625%
HK$152,523
+HK$7,637/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$289,772/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,644,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,863
−HK$9,962/mo
▼ 0.25% · 3.875%
HK$163,805
−HK$5,020/mo
Today · 4.125%
HK$168,825
baseline
▲ 0.50% · 4.625%
HK$179,098
+HK$10,273/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$337,650/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,644,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,734
−HK$9,548/mo
▼ 0.25% · 3.875%
HK$181,474
−HK$4,808/mo
Today · 4.125%
HK$186,282
baseline
▲ 0.50% · 4.625%
HK$196,101
+HK$9,819/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$372,564/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,644,963 · Scale 2, in force from 26 Feb 2026)