LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,683
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,441
−HK$2,803/mo
Today · 4.125%
HK$94,244
baseline
▲ 0.50% · 4.625%
HK$99,979
+HK$5,735/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,488/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,659
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,305
−HK$2,684/mo
Today · 4.125%
HK$103,989
baseline
▲ 0.50% · 4.625%
HK$109,470
+HK$5,481/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$207,978/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,419
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,730
−HK$3,363/mo
Today · 4.125%
HK$113,093
baseline
▲ 0.50% · 4.625%
HK$119,974
+HK$6,881/mo
Deposit HK$15.56M · loan HK$23.33M · min. income ≈ HK$226,186/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,391
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,566
−HK$3,221/mo
Today · 4.125%
HK$124,787
baseline
▲ 0.50% · 4.625%
HK$131,365
+HK$6,578/mo
Deposit HK$15.56M · loan HK$23.33M · min. income ≈ HK$249,574/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,156
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,018
−HK$3,924/mo
Today · 4.125%
HK$131,942
baseline
▲ 0.50% · 4.625%
HK$139,970
+HK$8,028/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$263,884/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,122
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,827
−HK$3,758/mo
Today · 4.125%
HK$145,585
baseline
▲ 0.50% · 4.625%
HK$153,259
+HK$7,674/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$291,170/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,629
−HK$10,010/mo
▼ 0.25% · 3.875%
HK$164,595
−HK$5,044/mo
Today · 4.125%
HK$169,639
baseline
▲ 0.50% · 4.625%
HK$179,962
+HK$10,323/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$339,278/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,586
−HK$9,594/mo
▼ 0.25% · 3.875%
HK$182,349
−HK$4,831/mo
Today · 4.125%
HK$187,180
baseline
▲ 0.50% · 4.625%
HK$197,047
+HK$9,867/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$374,360/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,895 · Scale 2, in force from 26 Feb 2026)