LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,673
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,431
−HK$2,803/mo
Today · 4.125%
HK$94,234
baseline
▲ 0.50% · 4.625%
HK$99,968
+HK$5,734/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$188,468/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,648
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,294
−HK$2,684/mo
Today · 4.125%
HK$103,978
baseline
▲ 0.50% · 4.625%
HK$109,458
+HK$5,480/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$207,956/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,408
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$109,718
−HK$3,363/mo
Today · 4.125%
HK$113,081
baseline
▲ 0.50% · 4.625%
HK$119,961
+HK$6,880/mo
Deposit HK$15.55M · loan HK$23.33M · min. income ≈ HK$226,162/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,378
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$121,552
−HK$3,221/mo
Today · 4.125%
HK$124,773
baseline
▲ 0.50% · 4.625%
HK$131,350
+HK$6,577/mo
Deposit HK$15.55M · loan HK$23.33M · min. income ≈ HK$249,546/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,142
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$128,004
−HK$3,923/mo
Today · 4.125%
HK$131,927
baseline
▲ 0.50% · 4.625%
HK$139,955
+HK$8,028/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$263,854/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,107
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$141,811
−HK$3,758/mo
Today · 4.125%
HK$145,569
baseline
▲ 0.50% · 4.625%
HK$153,242
+HK$7,673/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$291,138/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,612
−HK$10,009/mo
▼ 0.25% · 3.875%
HK$164,577
−HK$5,044/mo
Today · 4.125%
HK$169,621
baseline
▲ 0.50% · 4.625%
HK$179,942
+HK$10,321/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$339,242/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,566
−HK$9,594/mo
▼ 0.25% · 3.875%
HK$182,329
−HK$4,831/mo
Today · 4.125%
HK$187,160
baseline
▲ 0.50% · 4.625%
HK$197,025
+HK$9,865/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$374,320/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,714 · Scale 2, in force from 26 Feb 2026)