LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,485
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,206
−HK$2,765/mo
Today · 4.125%
HK$92,971
baseline
▲ 0.50% · 4.625%
HK$98,628
+HK$5,657/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$185,942/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,326
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,936
−HK$2,648/mo
Today · 4.125%
HK$102,584
baseline
▲ 0.50% · 4.625%
HK$107,992
+HK$5,408/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$205,168/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,982
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,248
−HK$3,317/mo
Today · 4.125%
HK$111,565
baseline
▲ 0.50% · 4.625%
HK$118,354
+HK$6,789/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$223,130/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,791
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,924
−HK$3,177/mo
Today · 4.125%
HK$123,101
baseline
▲ 0.50% · 4.625%
HK$129,590
+HK$6,489/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$246,202/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,479
−HK$7,681/mo
▼ 0.25% · 3.875%
HK$126,289
−HK$3,871/mo
Today · 4.125%
HK$130,160
baseline
▲ 0.50% · 4.625%
HK$138,079
+HK$7,919/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$260,320/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,257
−HK$7,361/mo
▼ 0.25% · 3.875%
HK$139,911
−HK$3,707/mo
Today · 4.125%
HK$143,618
baseline
▲ 0.50% · 4.625%
HK$151,189
+HK$7,571/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$287,236/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,473
−HK$9,875/mo
▼ 0.25% · 3.875%
HK$162,371
−HK$4,977/mo
Today · 4.125%
HK$167,348
baseline
▲ 0.50% · 4.625%
HK$177,531
+HK$10,183/mo
Deposit HK$3.84M · loan HK$34.53M · min. income ≈ HK$334,696/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,187
−HK$9,465/mo
▼ 0.25% · 3.875%
HK$179,886
−HK$4,766/mo
Today · 4.125%
HK$184,652
baseline
▲ 0.50% · 4.625%
HK$194,385
+HK$9,733/mo
Deposit HK$3.84M · loan HK$34.53M · min. income ≈ HK$369,304/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,569 · Scale 2, in force from 26 Feb 2026)