LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,346
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,063
−HK$2,760/mo
Today · 4.125%
HK$92,823
baseline
▲ 0.50% · 4.625%
HK$98,471
+HK$5,648/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$185,646/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,627,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,171
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,778
−HK$2,643/mo
Today · 4.125%
HK$102,421
baseline
▲ 0.50% · 4.625%
HK$107,820
+HK$5,399/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$204,842/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,627,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,815
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,075
−HK$3,313/mo
Today · 4.125%
HK$111,388
baseline
▲ 0.50% · 4.625%
HK$118,166
+HK$6,778/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$222,776/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,627,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,606
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,733
−HK$3,173/mo
Today · 4.125%
HK$122,906
baseline
▲ 0.50% · 4.625%
HK$129,384
+HK$6,478/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$245,812/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,627,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,284
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$126,088
−HK$3,865/mo
Today · 4.125%
HK$129,953
baseline
▲ 0.50% · 4.625%
HK$137,860
+HK$7,907/mo
Deposit HK$11.49M · loan HK$26.81M · min. income ≈ HK$259,906/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,627,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,040
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$139,689
−HK$3,701/mo
Today · 4.125%
HK$143,390
baseline
▲ 0.50% · 4.625%
HK$150,948
+HK$7,558/mo
Deposit HK$11.49M · loan HK$26.81M · min. income ≈ HK$286,780/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,627,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,223
−HK$9,859/mo
▼ 0.25% · 3.875%
HK$162,113
−HK$4,969/mo
Today · 4.125%
HK$167,082
baseline
▲ 0.50% · 4.625%
HK$177,248
+HK$10,166/mo
Deposit HK$3.83M · loan HK$34.47M · min. income ≈ HK$334,164/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,909
−HK$9,449/mo
▼ 0.25% · 3.875%
HK$179,600
−HK$4,758/mo
Today · 4.125%
HK$184,358
baseline
▲ 0.50% · 4.625%
HK$194,076
+HK$9,718/mo
Deposit HK$3.83M · loan HK$34.47M · min. income ≈ HK$368,716/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,976 · Scale 2, in force from 26 Feb 2026)