LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,500
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,253
−HK$2,797/mo
Today · 4.125%
HK$94,050
baseline
▲ 0.50% · 4.625%
HK$99,773
+HK$5,723/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$188,100/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,456
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,096
−HK$2,679/mo
Today · 4.125%
HK$103,775
baseline
▲ 0.50% · 4.625%
HK$109,245
+HK$5,470/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$207,550/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,649,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,200
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,504
−HK$3,356/mo
Today · 4.125%
HK$112,860
baseline
▲ 0.50% · 4.625%
HK$119,727
+HK$6,867/mo
Deposit HK$15.52M · loan HK$23.29M · min. income ≈ HK$225,720/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,147
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,316
−HK$3,214/mo
Today · 4.125%
HK$124,530
baseline
▲ 0.50% · 4.625%
HK$131,094
+HK$6,564/mo
Deposit HK$15.52M · loan HK$23.29M · min. income ≈ HK$249,060/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,900
−HK$7,770/mo
▼ 0.25% · 3.875%
HK$127,754
−HK$3,916/mo
Today · 4.125%
HK$131,670
baseline
▲ 0.50% · 4.625%
HK$139,682
+HK$8,012/mo
Deposit HK$11.64M · loan HK$27.17M · min. income ≈ HK$263,340/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,838
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$141,535
−HK$3,750/mo
Today · 4.125%
HK$145,285
baseline
▲ 0.50% · 4.625%
HK$152,943
+HK$7,658/mo
Deposit HK$11.64M · loan HK$27.17M · min. income ≈ HK$290,570/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,301
−HK$9,989/mo
▼ 0.25% · 3.875%
HK$164,256
−HK$5,034/mo
Today · 4.125%
HK$169,290
baseline
▲ 0.50% · 4.625%
HK$179,591
+HK$10,301/mo
Deposit HK$3.88M · loan HK$34.93M · min. income ≈ HK$338,580/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,220
−HK$9,575/mo
▼ 0.25% · 3.875%
HK$181,973
−HK$4,822/mo
Today · 4.125%
HK$186,795
baseline
▲ 0.50% · 4.625%
HK$196,641
+HK$9,846/mo
Deposit HK$3.88M · loan HK$34.93M · min. income ≈ HK$373,590/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,492 · Scale 2, in force from 26 Feb 2026)