LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,696
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,455
−HK$2,803/mo
Today · 4.125%
HK$94,258
baseline
▲ 0.50% · 4.625%
HK$99,993
+HK$5,735/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,516/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,673
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,319
−HK$2,685/mo
Today · 4.125%
HK$104,004
baseline
▲ 0.50% · 4.625%
HK$109,486
+HK$5,482/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,008/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,435
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,745
−HK$3,364/mo
Today · 4.125%
HK$113,109
baseline
▲ 0.50% · 4.625%
HK$119,992
+HK$6,883/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,218/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,408
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$121,583
−HK$3,222/mo
Today · 4.125%
HK$124,805
baseline
▲ 0.50% · 4.625%
HK$131,383
+HK$6,578/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,610/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,174
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$128,036
−HK$3,925/mo
Today · 4.125%
HK$131,961
baseline
▲ 0.50% · 4.625%
HK$139,990
+HK$8,029/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,922/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,142
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,847
−HK$3,759/mo
Today · 4.125%
HK$145,606
baseline
▲ 0.50% · 4.625%
HK$153,281
+HK$7,675/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,212/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,652
−HK$10,012/mo
▼ 0.25% · 3.875%
HK$164,618
−HK$5,046/mo
Today · 4.125%
HK$169,664
baseline
▲ 0.50% · 4.625%
HK$179,987
+HK$10,323/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$339,328/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,611
−HK$9,596/mo
▼ 0.25% · 3.875%
HK$182,375
−HK$4,832/mo
Today · 4.125%
HK$187,207
baseline
▲ 0.50% · 4.625%
HK$197,075
+HK$9,868/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$374,414/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,131 · Scale 2, in force from 26 Feb 2026)