LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,711
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,470
−HK$2,804/mo
Today · 4.125%
HK$94,274
baseline
▲ 0.50% · 4.625%
HK$100,010
+HK$5,736/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,548/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,690
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,337
−HK$2,685/mo
Today · 4.125%
HK$104,022
baseline
▲ 0.50% · 4.625%
HK$109,505
+HK$5,483/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,044/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,453
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$109,764
−HK$3,365/mo
Today · 4.125%
HK$113,129
baseline
▲ 0.50% · 4.625%
HK$120,012
+HK$6,883/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,258/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,428
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$121,604
−HK$3,222/mo
Today · 4.125%
HK$124,826
baseline
▲ 0.50% · 4.625%
HK$131,406
+HK$6,580/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,652/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,653,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,195
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$128,058
−HK$3,925/mo
Today · 4.125%
HK$131,983
baseline
▲ 0.50% · 4.625%
HK$140,014
+HK$8,031/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,966/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,166
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$141,871
−HK$3,760/mo
Today · 4.125%
HK$145,631
baseline
▲ 0.50% · 4.625%
HK$153,307
+HK$7,676/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,262/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,679
−HK$10,014/mo
▼ 0.25% · 3.875%
HK$164,646
−HK$5,047/mo
Today · 4.125%
HK$169,693
baseline
▲ 0.50% · 4.625%
HK$180,018
+HK$10,325/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$339,386/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,642
−HK$9,597/mo
▼ 0.25% · 3.875%
HK$182,406
−HK$4,833/mo
Today · 4.125%
HK$187,239
baseline
▲ 0.50% · 4.625%
HK$197,109
+HK$9,870/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$374,478/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,415 · Scale 2, in force from 26 Feb 2026)