LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,486
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,207
−HK$2,765/mo
Today · 4.125%
HK$92,972
baseline
▲ 0.50% · 4.625%
HK$98,629
+HK$5,657/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$185,944/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,327
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,937
−HK$2,648/mo
Today · 4.125%
HK$102,585
baseline
▲ 0.50% · 4.625%
HK$107,993
+HK$5,408/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$205,170/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,983
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,249
−HK$3,317/mo
Today · 4.125%
HK$111,566
baseline
▲ 0.50% · 4.625%
HK$118,355
+HK$6,789/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$223,132/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,792
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,925
−HK$3,177/mo
Today · 4.125%
HK$123,102
baseline
▲ 0.50% · 4.625%
HK$129,591
+HK$6,489/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$246,204/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,480
−HK$7,681/mo
▼ 0.25% · 3.875%
HK$126,290
−HK$3,871/mo
Today · 4.125%
HK$130,161
baseline
▲ 0.50% · 4.625%
HK$138,081
+HK$7,920/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$260,322/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,258
−HK$7,361/mo
▼ 0.25% · 3.875%
HK$139,912
−HK$3,707/mo
Today · 4.125%
HK$143,619
baseline
▲ 0.50% · 4.625%
HK$151,190
+HK$7,571/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$287,238/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,474
−HK$9,875/mo
▼ 0.25% · 3.875%
HK$162,373
−HK$4,976/mo
Today · 4.125%
HK$167,349
baseline
▲ 0.50% · 4.625%
HK$177,532
+HK$10,183/mo
Deposit HK$3.84M · loan HK$34.53M · min. income ≈ HK$334,698/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,189
−HK$9,465/mo
▼ 0.25% · 3.875%
HK$179,887
−HK$4,767/mo
Today · 4.125%
HK$184,654
baseline
▲ 0.50% · 4.625%
HK$194,387
+HK$9,733/mo
Deposit HK$3.84M · loan HK$34.53M · min. income ≈ HK$369,308/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,583 · Scale 2, in force from 26 Feb 2026)