LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,541
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,264
−HK$2,767/mo
Today · 4.125%
HK$93,031
baseline
▲ 0.50% · 4.625%
HK$98,692
+HK$5,661/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$186,062/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,631,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,389
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,001
−HK$2,650/mo
Today · 4.125%
HK$102,651
baseline
▲ 0.50% · 4.625%
HK$108,061
+HK$5,410/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$205,302/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,631,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,050
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$108,317
−HK$3,320/mo
Today · 4.125%
HK$111,637
baseline
▲ 0.50% · 4.625%
HK$118,430
+HK$6,793/mo
Deposit HK$15.36M · loan HK$23.03M · min. income ≈ HK$223,274/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,631,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,867
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$120,001
−HK$3,180/mo
Today · 4.125%
HK$123,181
baseline
▲ 0.50% · 4.625%
HK$129,674
+HK$6,493/mo
Deposit HK$15.36M · loan HK$23.03M · min. income ≈ HK$246,362/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,631,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,558
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$126,370
−HK$3,873/mo
Today · 4.125%
HK$130,243
baseline
▲ 0.50% · 4.625%
HK$138,168
+HK$7,925/mo
Deposit HK$11.52M · loan HK$26.87M · min. income ≈ HK$260,486/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,344
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$140,001
−HK$3,710/mo
Today · 4.125%
HK$143,711
baseline
▲ 0.50% · 4.625%
HK$151,286
+HK$7,575/mo
Deposit HK$11.52M · loan HK$26.87M · min. income ≈ HK$287,422/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,574
−HK$9,882/mo
▼ 0.25% · 3.875%
HK$162,476
−HK$4,980/mo
Today · 4.125%
HK$167,456
baseline
▲ 0.50% · 4.625%
HK$177,645
+HK$10,189/mo
Deposit HK$3.84M · loan HK$34.55M · min. income ≈ HK$334,912/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,300
−HK$9,471/mo
▼ 0.25% · 3.875%
HK$180,001
−HK$4,770/mo
Today · 4.125%
HK$184,771
baseline
▲ 0.50% · 4.625%
HK$194,510
+HK$9,739/mo
Deposit HK$3.84M · loan HK$34.55M · min. income ≈ HK$369,542/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,619 · Scale 2, in force from 26 Feb 2026)