LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,718
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,478
−HK$2,804/mo
Today · 4.125%
HK$94,282
baseline
▲ 0.50% · 4.625%
HK$100,018
+HK$5,736/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$188,564/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,698
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,345
−HK$2,685/mo
Today · 4.125%
HK$104,030
baseline
▲ 0.50% · 4.625%
HK$109,514
+HK$5,484/mo
Deposit HK$19.45M · loan HK$19.45M · min. income ≈ HK$208,060/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,653,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,462
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$109,773
−HK$3,365/mo
Today · 4.125%
HK$113,138
baseline
▲ 0.50% · 4.625%
HK$120,022
+HK$6,884/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$226,276/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,438
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,614
−HK$3,223/mo
Today · 4.125%
HK$124,837
baseline
▲ 0.50% · 4.625%
HK$131,417
+HK$6,580/mo
Deposit HK$15.56M · loan HK$23.34M · min. income ≈ HK$249,674/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,653,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,205
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$128,069
−HK$3,925/mo
Today · 4.125%
HK$131,994
baseline
▲ 0.50% · 4.625%
HK$140,026
+HK$8,032/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$263,988/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,177
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,883
−HK$3,760/mo
Today · 4.125%
HK$145,643
baseline
▲ 0.50% · 4.625%
HK$153,320
+HK$7,677/mo
Deposit HK$11.67M · loan HK$27.23M · min. income ≈ HK$291,286/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,653,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,693
−HK$10,014/mo
▼ 0.25% · 3.875%
HK$164,660
−HK$5,047/mo
Today · 4.125%
HK$169,707
baseline
▲ 0.50% · 4.625%
HK$180,033
+HK$10,326/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$339,414/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,657
−HK$9,598/mo
▼ 0.25% · 3.875%
HK$182,421
−HK$4,834/mo
Today · 4.125%
HK$187,255
baseline
▲ 0.50% · 4.625%
HK$197,125
+HK$9,870/mo
Deposit HK$3.89M · loan HK$35.02M · min. income ≈ HK$374,510/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,653,552 · Scale 2, in force from 26 Feb 2026)