LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,685
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,443
−HK$2,803/mo
Today · 4.125%
HK$94,246
baseline
▲ 0.50% · 4.625%
HK$99,980
+HK$5,734/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,492/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,661
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,307
−HK$2,684/mo
Today · 4.125%
HK$103,991
baseline
▲ 0.50% · 4.625%
HK$109,473
+HK$5,482/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$207,982/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,652,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,421
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,732
−HK$3,363/mo
Today · 4.125%
HK$113,095
baseline
▲ 0.50% · 4.625%
HK$119,977
+HK$6,882/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,190/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,393
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,568
−HK$3,221/mo
Today · 4.125%
HK$124,789
baseline
▲ 0.50% · 4.625%
HK$131,367
+HK$6,578/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,578/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,652,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,158
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,020
−HK$3,924/mo
Today · 4.125%
HK$131,944
baseline
▲ 0.50% · 4.625%
HK$139,973
+HK$8,029/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$263,888/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,125
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$141,829
−HK$3,758/mo
Today · 4.125%
HK$145,587
baseline
▲ 0.50% · 4.625%
HK$153,262
+HK$7,675/mo
Deposit HK$11.67M · loan HK$27.22M · min. income ≈ HK$291,174/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,632
−HK$10,011/mo
▼ 0.25% · 3.875%
HK$164,598
−HK$5,045/mo
Today · 4.125%
HK$169,643
baseline
▲ 0.50% · 4.625%
HK$179,965
+HK$10,322/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$339,286/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,589
−HK$9,595/mo
▼ 0.25% · 3.875%
HK$182,352
−HK$4,832/mo
Today · 4.125%
HK$187,184
baseline
▲ 0.50% · 4.625%
HK$197,051
+HK$9,867/mo
Deposit HK$3.89M · loan HK$35.00M · min. income ≈ HK$374,368/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,926 · Scale 2, in force from 26 Feb 2026)