LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,604
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,360
−HK$2,800/mo
Today · 4.125%
HK$94,160
baseline
▲ 0.50% · 4.625%
HK$99,890
+HK$5,730/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$188,320/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,571
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,215
−HK$2,682/mo
Today · 4.125%
HK$103,897
baseline
▲ 0.50% · 4.625%
HK$109,373
+HK$5,476/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$207,794/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,325
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,632
−HK$3,360/mo
Today · 4.125%
HK$112,992
baseline
▲ 0.50% · 4.625%
HK$119,868
+HK$6,876/mo
Deposit HK$15.54M · loan HK$23.31M · min. income ≈ HK$225,984/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,651,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,285
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,458
−HK$3,218/mo
Today · 4.125%
HK$124,676
baseline
▲ 0.50% · 4.625%
HK$131,248
+HK$6,572/mo
Deposit HK$15.54M · loan HK$23.31M · min. income ≈ HK$249,352/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,651,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,046
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$127,904
−HK$3,920/mo
Today · 4.125%
HK$131,824
baseline
▲ 0.50% · 4.625%
HK$139,846
+HK$8,022/mo
Deposit HK$11.66M · loan HK$27.20M · min. income ≈ HK$263,648/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,000
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$141,701
−HK$3,754/mo
Today · 4.125%
HK$145,455
baseline
▲ 0.50% · 4.625%
HK$153,122
+HK$7,667/mo
Deposit HK$11.66M · loan HK$27.20M · min. income ≈ HK$290,910/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,487
−HK$10,002/mo
▼ 0.25% · 3.875%
HK$164,448
−HK$5,041/mo
Today · 4.125%
HK$169,489
baseline
▲ 0.50% · 4.625%
HK$179,802
+HK$10,313/mo
Deposit HK$3.89M · loan HK$34.97M · min. income ≈ HK$338,978/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,428
−HK$9,586/mo
▼ 0.25% · 3.875%
HK$182,187
−HK$4,827/mo
Today · 4.125%
HK$187,014
baseline
▲ 0.50% · 4.625%
HK$196,872
+HK$9,858/mo
Deposit HK$3.89M · loan HK$34.97M · min. income ≈ HK$374,028/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,426 · Scale 2, in force from 26 Feb 2026)