LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,680
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,438
−HK$2,803/mo
Today · 4.125%
HK$94,241
baseline
▲ 0.50% · 4.625%
HK$99,975
+HK$5,734/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,482/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,655
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,301
−HK$2,684/mo
Today · 4.125%
HK$103,985
baseline
▲ 0.50% · 4.625%
HK$109,466
+HK$5,481/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$207,970/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,416
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$109,726
−HK$3,363/mo
Today · 4.125%
HK$113,089
baseline
▲ 0.50% · 4.625%
HK$119,970
+HK$6,881/mo
Deposit HK$15.56M · loan HK$23.33M · min. income ≈ HK$226,178/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,386
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,561
−HK$3,221/mo
Today · 4.125%
HK$124,782
baseline
▲ 0.50% · 4.625%
HK$131,360
+HK$6,578/mo
Deposit HK$15.56M · loan HK$23.33M · min. income ≈ HK$249,564/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,151
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,013
−HK$3,924/mo
Today · 4.125%
HK$131,937
baseline
▲ 0.50% · 4.625%
HK$139,965
+HK$8,028/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$263,874/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,117
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$141,822
−HK$3,757/mo
Today · 4.125%
HK$145,579
baseline
▲ 0.50% · 4.625%
HK$153,253
+HK$7,674/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$291,158/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,623
−HK$10,010/mo
▼ 0.25% · 3.875%
HK$164,589
−HK$5,044/mo
Today · 4.125%
HK$169,633
baseline
▲ 0.50% · 4.625%
HK$179,955
+HK$10,322/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$339,266/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,579
−HK$9,594/mo
▼ 0.25% · 3.875%
HK$182,342
−HK$4,831/mo
Today · 4.125%
HK$187,173
baseline
▲ 0.50% · 4.625%
HK$197,040
+HK$9,867/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$374,346/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,834 · Scale 2, in force from 26 Feb 2026)