LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,706
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,466
−HK$2,803/mo
Today · 4.125%
HK$94,269
baseline
▲ 0.50% · 4.625%
HK$100,005
+HK$5,736/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,538/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,685
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,331
−HK$2,685/mo
Today · 4.125%
HK$104,016
baseline
▲ 0.50% · 4.625%
HK$109,499
+HK$5,483/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,032/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$1,653,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,448
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,759
−HK$3,364/mo
Today · 4.125%
HK$113,123
baseline
▲ 0.50% · 4.625%
HK$120,006
+HK$6,883/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,246/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,422
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$121,598
−HK$3,222/mo
Today · 4.125%
HK$124,820
baseline
▲ 0.50% · 4.625%
HK$131,399
+HK$6,579/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,640/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,189
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$128,052
−HK$3,924/mo
Today · 4.125%
HK$131,976
baseline
▲ 0.50% · 4.625%
HK$140,007
+HK$8,031/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,952/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,159
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,864
−HK$3,759/mo
Today · 4.125%
HK$145,623
baseline
▲ 0.50% · 4.625%
HK$153,299
+HK$7,676/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,246/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,671
−HK$10,013/mo
▼ 0.25% · 3.875%
HK$164,638
−HK$5,046/mo
Today · 4.125%
HK$169,684
baseline
▲ 0.50% · 4.625%
HK$180,009
+HK$10,325/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$339,368/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,633
−HK$9,597/mo
▼ 0.25% · 3.875%
HK$182,397
−HK$4,833/mo
Today · 4.125%
HK$187,230
baseline
▲ 0.50% · 4.625%
HK$197,099
+HK$9,869/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$374,460/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,330 · Scale 2, in force from 26 Feb 2026)