LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,680
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,439
−HK$2,802/mo
Today · 4.125%
HK$94,241
baseline
▲ 0.50% · 4.625%
HK$99,976
+HK$5,735/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$1,652,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,656
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,302
−HK$2,684/mo
Today · 4.125%
HK$103,986
baseline
▲ 0.50% · 4.625%
HK$109,467
+HK$5,481/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$207,972/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,416
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,726
−HK$3,364/mo
Today · 4.125%
HK$113,090
baseline
▲ 0.50% · 4.625%
HK$119,971
+HK$6,881/mo
Deposit HK$15.56M · loan HK$23.33M · min. income ≈ HK$226,180/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,387
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,562
−HK$3,221/mo
Today · 4.125%
HK$124,783
baseline
▲ 0.50% · 4.625%
HK$131,361
+HK$6,578/mo
Deposit HK$15.56M · loan HK$23.33M · min. income ≈ HK$249,566/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,152
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,014
−HK$3,924/mo
Today · 4.125%
HK$131,938
baseline
▲ 0.50% · 4.625%
HK$139,966
+HK$8,028/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$263,876/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,118
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$141,822
−HK$3,758/mo
Today · 4.125%
HK$145,580
baseline
▲ 0.50% · 4.625%
HK$153,254
+HK$7,674/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$291,160/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,624
−HK$10,010/mo
▼ 0.25% · 3.875%
HK$164,590
−HK$5,044/mo
Today · 4.125%
HK$169,634
baseline
▲ 0.50% · 4.625%
HK$179,956
+HK$10,322/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$339,268/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,581
−HK$9,594/mo
▼ 0.25% · 3.875%
HK$182,343
−HK$4,832/mo
Today · 4.125%
HK$187,175
baseline
▲ 0.50% · 4.625%
HK$197,041
+HK$9,866/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$374,350/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,845 · Scale 2, in force from 26 Feb 2026)