LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,839
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,603
−HK$2,807/mo
Today · 4.125%
HK$94,410
baseline
▲ 0.50% · 4.625%
HK$100,155
+HK$5,745/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$188,820/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,655,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,833
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,483
−HK$2,689/mo
Today · 4.125%
HK$104,172
baseline
▲ 0.50% · 4.625%
HK$109,663
+HK$5,491/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$208,344/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,655,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,607
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$109,923
−HK$3,369/mo
Today · 4.125%
HK$113,292
baseline
▲ 0.50% · 4.625%
HK$120,186
+HK$6,894/mo
Deposit HK$15.58M · loan HK$23.38M · min. income ≈ HK$226,584/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,655,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,599
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$121,780
−HK$3,227/mo
Today · 4.125%
HK$125,007
baseline
▲ 0.50% · 4.625%
HK$131,596
+HK$6,589/mo
Deposit HK$15.58M · loan HK$23.38M · min. income ≈ HK$250,014/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,655,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,375
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$128,244
−HK$3,930/mo
Today · 4.125%
HK$132,174
baseline
▲ 0.50% · 4.625%
HK$140,217
+HK$8,043/mo
Deposit HK$11.69M · loan HK$27.27M · min. income ≈ HK$264,348/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,366
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$142,077
−HK$3,764/mo
Today · 4.125%
HK$145,841
baseline
▲ 0.50% · 4.625%
HK$153,529
+HK$7,688/mo
Deposit HK$11.69M · loan HK$27.27M · min. income ≈ HK$291,682/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,911
−HK$10,027/mo
▼ 0.25% · 3.875%
HK$164,885
−HK$5,053/mo
Today · 4.125%
HK$169,938
baseline
▲ 0.50% · 4.625%
HK$180,279
+HK$10,341/mo
Deposit HK$3.90M · loan HK$35.06M · min. income ≈ HK$339,876/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,899
−HK$9,611/mo
▼ 0.25% · 3.875%
HK$182,670
−HK$4,840/mo
Today · 4.125%
HK$187,510
baseline
▲ 0.50% · 4.625%
HK$197,394
+HK$9,884/mo
Deposit HK$3.90M · loan HK$35.06M · min. income ≈ HK$375,020/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,809 · Scale 2, in force from 26 Feb 2026)