LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,690
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,449
−HK$2,803/mo
Today · 4.125%
HK$94,252
baseline
▲ 0.50% · 4.625%
HK$99,987
+HK$5,735/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,504/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,667
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,313
−HK$2,684/mo
Today · 4.125%
HK$103,997
baseline
▲ 0.50% · 4.625%
HK$109,479
+HK$5,482/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$207,994/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,428
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,738
−HK$3,364/mo
Today · 4.125%
HK$113,102
baseline
▲ 0.50% · 4.625%
HK$119,984
+HK$6,882/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,204/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,400
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$121,575
−HK$3,222/mo
Today · 4.125%
HK$124,797
baseline
▲ 0.50% · 4.625%
HK$131,375
+HK$6,578/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,594/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,166
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,028
−HK$3,924/mo
Today · 4.125%
HK$131,952
baseline
▲ 0.50% · 4.625%
HK$139,981
+HK$8,029/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,904/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,133
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,838
−HK$3,758/mo
Today · 4.125%
HK$145,596
baseline
▲ 0.50% · 4.625%
HK$153,271
+HK$7,675/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,192/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,642
−HK$10,011/mo
▼ 0.25% · 3.875%
HK$164,608
−HK$5,045/mo
Today · 4.125%
HK$169,653
baseline
▲ 0.50% · 4.625%
HK$179,976
+HK$10,323/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$339,306/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,600
−HK$9,595/mo
▼ 0.25% · 3.875%
HK$182,363
−HK$4,832/mo
Today · 4.125%
HK$187,195
baseline
▲ 0.50% · 4.625%
HK$197,062
+HK$9,867/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$374,390/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,026 · Scale 2, in force from 26 Feb 2026)