LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,608
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,364
−HK$2,800/mo
Today · 4.125%
HK$94,164
baseline
▲ 0.50% · 4.625%
HK$99,894
+HK$5,730/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$188,328/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,575
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,219
−HK$2,682/mo
Today · 4.125%
HK$103,901
baseline
▲ 0.50% · 4.625%
HK$109,378
+HK$5,477/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$207,802/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,330
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,637
−HK$3,360/mo
Today · 4.125%
HK$112,997
baseline
▲ 0.50% · 4.625%
HK$119,873
+HK$6,876/mo
Deposit HK$15.54M · loan HK$23.32M · min. income ≈ HK$225,994/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,651,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,291
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$121,463
−HK$3,218/mo
Today · 4.125%
HK$124,681
baseline
▲ 0.50% · 4.625%
HK$131,254
+HK$6,573/mo
Deposit HK$15.54M · loan HK$23.32M · min. income ≈ HK$249,362/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,651,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,051
−HK$7,779/mo
▼ 0.25% · 3.875%
HK$127,910
−HK$3,920/mo
Today · 4.125%
HK$131,830
baseline
▲ 0.50% · 4.625%
HK$139,852
+HK$8,022/mo
Deposit HK$11.66M · loan HK$27.20M · min. income ≈ HK$263,660/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,006
−HK$7,456/mo
▼ 0.25% · 3.875%
HK$141,707
−HK$3,755/mo
Today · 4.125%
HK$145,462
baseline
▲ 0.50% · 4.625%
HK$153,129
+HK$7,667/mo
Deposit HK$11.66M · loan HK$27.20M · min. income ≈ HK$290,924/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,494
−HK$10,002/mo
▼ 0.25% · 3.875%
HK$164,455
−HK$5,041/mo
Today · 4.125%
HK$169,496
baseline
▲ 0.50% · 4.625%
HK$179,809
+HK$10,313/mo
Deposit HK$3.89M · loan HK$34.97M · min. income ≈ HK$338,992/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,436
−HK$9,586/mo
▼ 0.25% · 3.875%
HK$182,195
−HK$4,827/mo
Today · 4.125%
HK$187,022
baseline
▲ 0.50% · 4.625%
HK$196,880
+HK$9,858/mo
Deposit HK$3.89M · loan HK$34.97M · min. income ≈ HK$374,044/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,498 · Scale 2, in force from 26 Feb 2026)