LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,560
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,315
−HK$2,799/mo
Today · 4.125%
HK$94,114
baseline
▲ 0.50% · 4.625%
HK$99,840
+HK$5,726/mo
Deposit HK$19.42M · loan HK$19.42M · min. income ≈ HK$188,228/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$1,650,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,522
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,165
−HK$2,680/mo
Today · 4.125%
HK$103,845
baseline
▲ 0.50% · 4.625%
HK$109,319
+HK$5,474/mo
Deposit HK$19.42M · loan HK$19.42M · min. income ≈ HK$207,690/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$1,650,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,272
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,578
−HK$3,358/mo
Today · 4.125%
HK$112,936
baseline
▲ 0.50% · 4.625%
HK$119,808
+HK$6,872/mo
Deposit HK$15.54M · loan HK$23.30M · min. income ≈ HK$225,872/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,650,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,227
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,397
−HK$3,217/mo
Today · 4.125%
HK$124,614
baseline
▲ 0.50% · 4.625%
HK$131,183
+HK$6,569/mo
Deposit HK$15.54M · loan HK$23.30M · min. income ≈ HK$249,228/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,650,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,984
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$127,841
−HK$3,918/mo
Today · 4.125%
HK$131,759
baseline
▲ 0.50% · 4.625%
HK$139,776
+HK$8,017/mo
Deposit HK$11.65M · loan HK$27.19M · min. income ≈ HK$263,518/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,931
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$141,630
−HK$3,753/mo
Today · 4.125%
HK$145,383
baseline
▲ 0.50% · 4.625%
HK$153,046
+HK$7,663/mo
Deposit HK$11.65M · loan HK$27.19M · min. income ≈ HK$290,766/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,408
−HK$9,996/mo
▼ 0.25% · 3.875%
HK$164,367
−HK$5,037/mo
Today · 4.125%
HK$169,404
baseline
▲ 0.50% · 4.625%
HK$179,712
+HK$10,308/mo
Deposit HK$3.88M · loan HK$34.95M · min. income ≈ HK$338,808/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,340
−HK$9,581/mo
▼ 0.25% · 3.875%
HK$182,096
−HK$4,825/mo
Today · 4.125%
HK$186,921
baseline
▲ 0.50% · 4.625%
HK$196,774
+HK$9,853/mo
Deposit HK$3.88M · loan HK$34.95M · min. income ≈ HK$373,842/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,606 · Scale 2, in force from 26 Feb 2026)