LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,259
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$91,004
−HK$2,789/mo
Today · 4.125%
HK$93,793
baseline
▲ 0.50% · 4.625%
HK$99,500
+HK$5,707/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$187,586/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$1,644,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,187
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,820
−HK$2,672/mo
Today · 4.125%
HK$103,492
baseline
▲ 0.50% · 4.625%
HK$108,947
+HK$5,455/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$206,984/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$1,644,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,910
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,205
−HK$3,347/mo
Today · 4.125%
HK$112,552
baseline
▲ 0.50% · 4.625%
HK$119,400
+HK$6,848/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$225,104/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,644,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,824
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$120,984
−HK$3,206/mo
Today · 4.125%
HK$124,190
baseline
▲ 0.50% · 4.625%
HK$130,736
+HK$6,546/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$248,380/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,644,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,562
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$127,406
−HK$3,905/mo
Today · 4.125%
HK$131,311
baseline
▲ 0.50% · 4.625%
HK$139,301
+HK$7,990/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$262,622/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,644,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,462
−HK$7,426/mo
▼ 0.25% · 3.875%
HK$141,148
−HK$3,740/mo
Today · 4.125%
HK$144,888
baseline
▲ 0.50% · 4.625%
HK$152,526
+HK$7,638/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$289,776/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,644,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,866
−HK$9,962/mo
▼ 0.25% · 3.875%
HK$163,807
−HK$5,021/mo
Today · 4.125%
HK$168,828
baseline
▲ 0.50% · 4.625%
HK$179,101
+HK$10,273/mo
Deposit HK$3.87M · loan HK$34.84M · min. income ≈ HK$337,656/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,644,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,736
−HK$9,549/mo
▼ 0.25% · 3.875%
HK$181,476
−HK$4,809/mo
Today · 4.125%
HK$186,285
baseline
▲ 0.50% · 4.625%
HK$196,104
+HK$9,819/mo
Deposit HK$3.87M · loan HK$34.84M · min. income ≈ HK$372,570/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,644,988 · Scale 2, in force from 26 Feb 2026)