LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,745
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,505
−HK$2,805/mo
Today · 4.125%
HK$94,310
baseline
▲ 0.50% · 4.625%
HK$100,049
+HK$5,739/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$188,620/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,654,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,728
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,376
−HK$2,686/mo
Today · 4.125%
HK$104,062
baseline
▲ 0.50% · 4.625%
HK$109,547
+HK$5,485/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$208,124/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,654,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,494
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$109,806
−HK$3,366/mo
Today · 4.125%
HK$113,172
baseline
▲ 0.50% · 4.625%
HK$120,058
+HK$6,886/mo
Deposit HK$15.57M · loan HK$23.35M · min. income ≈ HK$226,344/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,654,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,473
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,651
−HK$3,223/mo
Today · 4.125%
HK$124,874
baseline
▲ 0.50% · 4.625%
HK$131,456
+HK$6,582/mo
Deposit HK$15.57M · loan HK$23.35M · min. income ≈ HK$249,748/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,654,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,243
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$128,108
−HK$3,926/mo
Today · 4.125%
HK$132,034
baseline
▲ 0.50% · 4.625%
HK$140,068
+HK$8,034/mo
Deposit HK$11.68M · loan HK$27.24M · min. income ≈ HK$264,068/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,219
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$141,926
−HK$3,761/mo
Today · 4.125%
HK$145,687
baseline
▲ 0.50% · 4.625%
HK$153,366
+HK$7,679/mo
Deposit HK$11.68M · loan HK$27.24M · min. income ≈ HK$291,374/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,741
−HK$10,017/mo
▼ 0.25% · 3.875%
HK$164,710
−HK$5,048/mo
Today · 4.125%
HK$169,758
baseline
▲ 0.50% · 4.625%
HK$180,087
+HK$10,329/mo
Deposit HK$3.89M · loan HK$35.03M · min. income ≈ HK$339,516/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,710
−HK$9,601/mo
▼ 0.25% · 3.875%
HK$182,476
−HK$4,835/mo
Today · 4.125%
HK$187,311
baseline
▲ 0.50% · 4.625%
HK$197,185
+HK$9,874/mo
Deposit HK$3.89M · loan HK$35.03M · min. income ≈ HK$374,622/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,051 · Scale 2, in force from 26 Feb 2026)