LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,702
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,462
−HK$2,803/mo
Today · 4.125%
HK$94,265
baseline
▲ 0.50% · 4.625%
HK$100,001
+HK$5,736/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,530/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,681
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,327
−HK$2,685/mo
Today · 4.125%
HK$104,012
baseline
▲ 0.50% · 4.625%
HK$109,495
+HK$5,483/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,024/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,443
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,754
−HK$3,364/mo
Today · 4.125%
HK$113,118
baseline
▲ 0.50% · 4.625%
HK$120,001
+HK$6,883/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,236/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,417
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$121,593
−HK$3,221/mo
Today · 4.125%
HK$124,814
baseline
▲ 0.50% · 4.625%
HK$131,393
+HK$6,579/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,628/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,183
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$128,046
−HK$3,925/mo
Today · 4.125%
HK$131,971
baseline
▲ 0.50% · 4.625%
HK$140,001
+HK$8,030/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,942/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,153
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,858
−HK$3,759/mo
Today · 4.125%
HK$145,617
baseline
▲ 0.50% · 4.625%
HK$153,292
+HK$7,675/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,234/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,664
−HK$10,013/mo
▼ 0.25% · 3.875%
HK$164,631
−HK$5,046/mo
Today · 4.125%
HK$169,677
baseline
▲ 0.50% · 4.625%
HK$180,001
+HK$10,324/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$339,354/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,625
−HK$9,597/mo
▼ 0.25% · 3.875%
HK$182,389
−HK$4,833/mo
Today · 4.125%
HK$187,222
baseline
▲ 0.50% · 4.625%
HK$197,090
+HK$9,868/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$374,444/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,259 · Scale 2, in force from 26 Feb 2026)