LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,648
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,406
−HK$2,801/mo
Today · 4.125%
HK$94,207
baseline
▲ 0.50% · 4.625%
HK$99,940
+HK$5,733/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$188,414/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,652,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,620
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,265
−HK$2,683/mo
Today · 4.125%
HK$103,948
baseline
▲ 0.50% · 4.625%
HK$109,428
+HK$5,480/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$207,896/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,652,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,378
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,687
−HK$3,362/mo
Today · 4.125%
HK$113,049
baseline
▲ 0.50% · 4.625%
HK$119,927
+HK$6,878/mo
Deposit HK$15.55M · loan HK$23.33M · min. income ≈ HK$226,098/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,652,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,344
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,518
−HK$3,220/mo
Today · 4.125%
HK$124,738
baseline
▲ 0.50% · 4.625%
HK$131,313
+HK$6,575/mo
Deposit HK$15.55M · loan HK$23.33M · min. income ≈ HK$249,476/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,652,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,108
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$127,968
−HK$3,922/mo
Today · 4.125%
HK$131,890
baseline
▲ 0.50% · 4.625%
HK$139,915
+HK$8,025/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$263,780/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,068
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$141,771
−HK$3,757/mo
Today · 4.125%
HK$145,528
baseline
▲ 0.50% · 4.625%
HK$153,199
+HK$7,671/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$291,056/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,567
−HK$10,006/mo
▼ 0.25% · 3.875%
HK$164,530
−HK$5,043/mo
Today · 4.125%
HK$169,573
baseline
▲ 0.50% · 4.625%
HK$179,891
+HK$10,318/mo
Deposit HK$3.89M · loan HK$34.99M · min. income ≈ HK$339,146/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,516
−HK$9,591/mo
▼ 0.25% · 3.875%
HK$182,277
−HK$4,830/mo
Today · 4.125%
HK$187,107
baseline
▲ 0.50% · 4.625%
HK$196,970
+HK$9,863/mo
Deposit HK$3.89M · loan HK$34.99M · min. income ≈ HK$374,214/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,249 · Scale 2, in force from 26 Feb 2026)