LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,624
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,381
−HK$2,801/mo
Today · 4.125%
HK$94,182
baseline
▲ 0.50% · 4.625%
HK$99,913
+HK$5,731/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$188,364/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,594
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,238
−HK$2,683/mo
Today · 4.125%
HK$103,921
baseline
▲ 0.50% · 4.625%
HK$109,398
+HK$5,477/mo
Deposit HK$19.43M · loan HK$19.43M · min. income ≈ HK$207,842/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$1,651,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,349
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$109,657
−HK$3,361/mo
Today · 4.125%
HK$113,018
baseline
▲ 0.50% · 4.625%
HK$119,895
+HK$6,877/mo
Deposit HK$15.55M · loan HK$23.32M · min. income ≈ HK$226,036/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,651,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,313
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$121,486
−HK$3,219/mo
Today · 4.125%
HK$124,705
baseline
▲ 0.50% · 4.625%
HK$131,278
+HK$6,573/mo
Deposit HK$15.55M · loan HK$23.32M · min. income ≈ HK$249,410/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,651,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,074
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$127,934
−HK$3,921/mo
Today · 4.125%
HK$131,855
baseline
▲ 0.50% · 4.625%
HK$139,878
+HK$8,023/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$263,710/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,031
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$141,733
−HK$3,756/mo
Today · 4.125%
HK$145,489
baseline
▲ 0.50% · 4.625%
HK$153,158
+HK$7,669/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$290,978/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,651,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,524
−HK$10,004/mo
▼ 0.25% · 3.875%
HK$164,486
−HK$5,042/mo
Today · 4.125%
HK$169,528
baseline
▲ 0.50% · 4.625%
HK$179,843
+HK$10,315/mo
Deposit HK$3.89M · loan HK$34.98M · min. income ≈ HK$339,056/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,469
−HK$9,588/mo
▼ 0.25% · 3.875%
HK$182,229
−HK$4,828/mo
Today · 4.125%
HK$187,057
baseline
▲ 0.50% · 4.625%
HK$196,917
+HK$9,860/mo
Deposit HK$3.89M · loan HK$34.98M · min. income ≈ HK$374,114/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,651,806 · Scale 2, in force from 26 Feb 2026)