LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,748
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,509
−HK$2,804/mo
Today · 4.125%
HK$94,313
baseline
▲ 0.50% · 4.625%
HK$100,052
+HK$5,739/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$188,626/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,654,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,731
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,379
−HK$2,686/mo
Today · 4.125%
HK$104,065
baseline
▲ 0.50% · 4.625%
HK$109,551
+HK$5,486/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$208,130/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$1,654,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,498
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$109,810
−HK$3,366/mo
Today · 4.125%
HK$113,176
baseline
▲ 0.50% · 4.625%
HK$120,063
+HK$6,887/mo
Deposit HK$15.57M · loan HK$23.35M · min. income ≈ HK$226,352/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,654,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,478
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,655
−HK$3,224/mo
Today · 4.125%
HK$124,879
baseline
▲ 0.50% · 4.625%
HK$131,461
+HK$6,582/mo
Deposit HK$15.57M · loan HK$23.35M · min. income ≈ HK$249,758/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,654,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,247
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$128,112
−HK$3,927/mo
Today · 4.125%
HK$132,039
baseline
▲ 0.50% · 4.625%
HK$140,073
+HK$8,034/mo
Deposit HK$11.68M · loan HK$27.24M · min. income ≈ HK$264,078/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,224
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$141,931
−HK$3,761/mo
Today · 4.125%
HK$145,692
baseline
▲ 0.50% · 4.625%
HK$153,371
+HK$7,679/mo
Deposit HK$11.68M · loan HK$27.24M · min. income ≈ HK$291,384/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,747
−HK$10,017/mo
▼ 0.25% · 3.875%
HK$164,716
−HK$5,048/mo
Today · 4.125%
HK$169,764
baseline
▲ 0.50% · 4.625%
HK$180,094
+HK$10,330/mo
Deposit HK$3.89M · loan HK$35.03M · min. income ≈ HK$339,528/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,716
−HK$9,602/mo
▼ 0.25% · 3.875%
HK$182,483
−HK$4,835/mo
Today · 4.125%
HK$187,318
baseline
▲ 0.50% · 4.625%
HK$197,192
+HK$9,874/mo
Deposit HK$3.89M · loan HK$35.03M · min. income ≈ HK$374,636/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,110 · Scale 2, in force from 26 Feb 2026)