LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,712
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,471
−HK$2,804/mo
Today · 4.125%
HK$94,275
baseline
▲ 0.50% · 4.625%
HK$100,011
+HK$5,736/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,550/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,691
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,338
−HK$2,685/mo
Today · 4.125%
HK$104,023
baseline
▲ 0.50% · 4.625%
HK$109,506
+HK$5,483/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,046/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,454
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$109,766
−HK$3,364/mo
Today · 4.125%
HK$113,130
baseline
▲ 0.50% · 4.625%
HK$120,014
+HK$6,884/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,260/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,429
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,606
−HK$3,222/mo
Today · 4.125%
HK$124,828
baseline
▲ 0.50% · 4.625%
HK$131,408
+HK$6,580/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,656/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,197
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$128,060
−HK$3,925/mo
Today · 4.125%
HK$131,985
baseline
▲ 0.50% · 4.625%
HK$140,016
+HK$8,031/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,970/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,168
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,873
−HK$3,759/mo
Today · 4.125%
HK$145,632
baseline
▲ 0.50% · 4.625%
HK$153,309
+HK$7,677/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,264/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,653,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,682
−HK$10,013/mo
▼ 0.25% · 3.875%
HK$164,649
−HK$5,046/mo
Today · 4.125%
HK$169,695
baseline
▲ 0.50% · 4.625%
HK$180,021
+HK$10,326/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$339,390/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,644
−HK$9,598/mo
▼ 0.25% · 3.875%
HK$182,409
−HK$4,833/mo
Today · 4.125%
HK$187,242
baseline
▲ 0.50% · 4.625%
HK$197,112
+HK$9,870/mo
Deposit HK$3.89M · loan HK$35.01M · min. income ≈ HK$374,484/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,437 · Scale 2, in force from 26 Feb 2026)