LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,263
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,008
−HK$2,790/mo
Today · 4.125%
HK$93,798
baseline
▲ 0.50% · 4.625%
HK$99,505
+HK$5,707/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$187,596/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$1,645,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,192
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,825
−HK$2,672/mo
Today · 4.125%
HK$103,497
baseline
▲ 0.50% · 4.625%
HK$108,952
+HK$5,455/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$206,994/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$1,645,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,916
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,210
−HK$3,347/mo
Today · 4.125%
HK$112,557
baseline
▲ 0.50% · 4.625%
HK$119,406
+HK$6,849/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$225,114/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,645,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,830
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$120,990
−HK$3,206/mo
Today · 4.125%
HK$124,196
baseline
▲ 0.50% · 4.625%
HK$130,742
+HK$6,546/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$248,392/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,645,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,568
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$127,412
−HK$3,905/mo
Today · 4.125%
HK$131,317
baseline
▲ 0.50% · 4.625%
HK$139,307
+HK$7,990/mo
Deposit HK$11.61M · loan HK$27.10M · min. income ≈ HK$262,634/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,468
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$141,155
−HK$3,740/mo
Today · 4.125%
HK$144,895
baseline
▲ 0.50% · 4.625%
HK$152,533
+HK$7,638/mo
Deposit HK$11.61M · loan HK$27.10M · min. income ≈ HK$289,790/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,873
−HK$9,963/mo
▼ 0.25% · 3.875%
HK$163,815
−HK$5,021/mo
Today · 4.125%
HK$168,836
baseline
▲ 0.50% · 4.625%
HK$179,109
+HK$10,273/mo
Deposit HK$3.87M · loan HK$34.84M · min. income ≈ HK$337,672/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,745
−HK$9,549/mo
▼ 0.25% · 3.875%
HK$181,485
−HK$4,809/mo
Today · 4.125%
HK$186,294
baseline
▲ 0.50% · 4.625%
HK$196,114
+HK$9,820/mo
Deposit HK$3.87M · loan HK$34.84M · min. income ≈ HK$372,588/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,067 · Scale 2, in force from 26 Feb 2026)