LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,621
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,378
−HK$2,801/mo
Today · 4.125%
HK$94,179
baseline
▲ 0.50% · 4.625%
HK$99,909
+HK$5,730/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$188,358/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,590
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,234
−HK$2,683/mo
Today · 4.125%
HK$103,917
baseline
▲ 0.50% · 4.625%
HK$109,394
+HK$5,477/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$207,834/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,346
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$109,653
−HK$3,361/mo
Today · 4.125%
HK$113,014
baseline
▲ 0.50% · 4.625%
HK$119,891
+HK$6,877/mo
Deposit HK$15.55M · loan HK$23.32M · min. income ≈ HK$226,028/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,651,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,308
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$121,481
−HK$3,219/mo
Today · 4.125%
HK$124,700
baseline
▲ 0.50% · 4.625%
HK$131,273
+HK$6,573/mo
Deposit HK$15.55M · loan HK$23.32M · min. income ≈ HK$249,400/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,651,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,070
−HK$7,780/mo
▼ 0.25% · 3.875%
HK$127,929
−HK$3,921/mo
Today · 4.125%
HK$131,850
baseline
▲ 0.50% · 4.625%
HK$139,873
+HK$8,023/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$263,700/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,026
−HK$7,457/mo
▼ 0.25% · 3.875%
HK$141,728
−HK$3,755/mo
Today · 4.125%
HK$145,483
baseline
▲ 0.50% · 4.625%
HK$153,152
+HK$7,669/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$290,966/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,518
−HK$10,003/mo
▼ 0.25% · 3.875%
HK$164,480
−HK$5,041/mo
Today · 4.125%
HK$169,521
baseline
▲ 0.50% · 4.625%
HK$179,836
+HK$10,315/mo
Deposit HK$3.89M · loan HK$34.98M · min. income ≈ HK$339,042/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,462
−HK$9,588/mo
▼ 0.25% · 3.875%
HK$182,222
−HK$4,828/mo
Today · 4.125%
HK$187,050
baseline
▲ 0.50% · 4.625%
HK$196,910
+HK$9,860/mo
Deposit HK$3.89M · loan HK$34.98M · min. income ≈ HK$374,100/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,746 · Scale 2, in force from 26 Feb 2026)