LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,462
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,213
−HK$2,796/mo
Today · 4.125%
HK$94,009
baseline
▲ 0.50% · 4.625%
HK$99,729
+HK$5,720/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$188,018/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,648,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,413
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,052
−HK$2,678/mo
Today · 4.125%
HK$103,730
baseline
▲ 0.50% · 4.625%
HK$109,197
+HK$5,467/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$207,460/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,648,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,154
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,456
−HK$3,355/mo
Today · 4.125%
HK$112,811
baseline
▲ 0.50% · 4.625%
HK$119,675
+HK$6,864/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$225,622/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,648,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,095
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,263
−HK$3,213/mo
Today · 4.125%
HK$124,476
baseline
▲ 0.50% · 4.625%
HK$131,037
+HK$6,561/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$248,952/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,648,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,846
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,699
−HK$3,914/mo
Today · 4.125%
HK$131,613
baseline
▲ 0.50% · 4.625%
HK$139,621
+HK$8,008/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$263,226/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,648,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,778
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$141,473
−HK$3,749/mo
Today · 4.125%
HK$145,222
baseline
▲ 0.50% · 4.625%
HK$152,876
+HK$7,654/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$290,444/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,648,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,231
−HK$9,985/mo
▼ 0.25% · 3.875%
HK$164,184
−HK$5,032/mo
Today · 4.125%
HK$169,216
baseline
▲ 0.50% · 4.625%
HK$179,513
+HK$10,297/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$338,432/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,143
−HK$9,570/mo
▼ 0.25% · 3.875%
HK$181,894
−HK$4,819/mo
Today · 4.125%
HK$186,713
baseline
▲ 0.50% · 4.625%
HK$196,555
+HK$9,842/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$373,426/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,772 · Scale 2, in force from 26 Feb 2026)