LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,849
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,612
−HK$2,808/mo
Today · 4.125%
HK$94,420
baseline
▲ 0.50% · 4.625%
HK$100,166
+HK$5,746/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$188,840/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,655,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,843
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,494
−HK$2,690/mo
Today · 4.125%
HK$104,184
baseline
▲ 0.50% · 4.625%
HK$109,675
+HK$5,491/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$208,368/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,655,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,618
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$109,935
−HK$3,369/mo
Today · 4.125%
HK$113,304
baseline
▲ 0.50% · 4.625%
HK$120,199
+HK$6,895/mo
Deposit HK$15.59M · loan HK$23.38M · min. income ≈ HK$226,608/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,655,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,612
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$121,793
−HK$3,227/mo
Today · 4.125%
HK$125,020
baseline
▲ 0.50% · 4.625%
HK$131,610
+HK$6,590/mo
Deposit HK$15.59M · loan HK$23.38M · min. income ≈ HK$250,040/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,655,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,388
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$128,257
−HK$3,931/mo
Today · 4.125%
HK$132,188
baseline
▲ 0.50% · 4.625%
HK$140,232
+HK$8,044/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$264,376/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,655,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,381
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$142,092
−HK$3,765/mo
Today · 4.125%
HK$145,857
baseline
▲ 0.50% · 4.625%
HK$153,545
+HK$7,688/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$291,714/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,655,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,928
−HK$10,029/mo
▼ 0.25% · 3.875%
HK$164,902
−HK$5,055/mo
Today · 4.125%
HK$169,957
baseline
▲ 0.50% · 4.625%
HK$180,298
+HK$10,341/mo
Deposit HK$3.90M · loan HK$35.07M · min. income ≈ HK$339,914/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,918
−HK$9,612/mo
▼ 0.25% · 3.875%
HK$182,690
−HK$4,840/mo
Today · 4.125%
HK$187,530
baseline
▲ 0.50% · 4.625%
HK$197,415
+HK$9,885/mo
Deposit HK$3.90M · loan HK$35.07M · min. income ≈ HK$375,060/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,986 · Scale 2, in force from 26 Feb 2026)