LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,486
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,238
−HK$2,797/mo
Today · 4.125%
HK$94,035
baseline
▲ 0.50% · 4.625%
HK$99,756
+HK$5,721/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$188,070/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,440
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,080
−HK$2,678/mo
Today · 4.125%
HK$103,758
baseline
▲ 0.50% · 4.625%
HK$109,227
+HK$5,469/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$207,516/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,183
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$109,486
−HK$3,356/mo
Today · 4.125%
HK$112,842
baseline
▲ 0.50% · 4.625%
HK$119,708
+HK$6,866/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$225,684/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,128
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,296
−HK$3,214/mo
Today · 4.125%
HK$124,510
baseline
▲ 0.50% · 4.625%
HK$131,073
+HK$6,563/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$249,020/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,880
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$127,734
−HK$3,915/mo
Today · 4.125%
HK$131,649
baseline
▲ 0.50% · 4.625%
HK$139,659
+HK$8,010/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$263,298/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,815
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$141,512
−HK$3,749/mo
Today · 4.125%
HK$145,261
baseline
▲ 0.50% · 4.625%
HK$152,918
+HK$7,657/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$290,522/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,275
−HK$9,987/mo
▼ 0.25% · 3.875%
HK$164,229
−HK$5,033/mo
Today · 4.125%
HK$169,262
baseline
▲ 0.50% · 4.625%
HK$179,562
+HK$10,300/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$338,524/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,191
−HK$9,573/mo
▼ 0.25% · 3.875%
HK$181,943
−HK$4,821/mo
Today · 4.125%
HK$186,764
baseline
▲ 0.50% · 4.625%
HK$196,609
+HK$9,845/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$373,528/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,222 · Scale 2, in force from 26 Feb 2026)