LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,547
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,270
−HK$2,767/mo
Today · 4.125%
HK$93,037
baseline
▲ 0.50% · 4.625%
HK$98,698
+HK$5,661/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$186,074/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,631,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,395
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,007
−HK$2,650/mo
Today · 4.125%
HK$102,657
baseline
▲ 0.50% · 4.625%
HK$108,068
+HK$5,411/mo
Deposit HK$19.20M · loan HK$19.20M · min. income ≈ HK$205,314/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,631,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,056
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,324
−HK$3,320/mo
Today · 4.125%
HK$111,644
baseline
▲ 0.50% · 4.625%
HK$118,437
+HK$6,793/mo
Deposit HK$15.36M · loan HK$23.04M · min. income ≈ HK$223,288/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,631,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,874
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$120,008
−HK$3,180/mo
Today · 4.125%
HK$123,188
baseline
▲ 0.50% · 4.625%
HK$129,682
+HK$6,494/mo
Deposit HK$15.36M · loan HK$23.04M · min. income ≈ HK$246,376/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,631,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,566
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$126,378
−HK$3,873/mo
Today · 4.125%
HK$130,251
baseline
▲ 0.50% · 4.625%
HK$138,177
+HK$7,926/mo
Deposit HK$11.52M · loan HK$26.88M · min. income ≈ HK$260,502/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,353
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$140,010
−HK$3,710/mo
Today · 4.125%
HK$143,720
baseline
▲ 0.50% · 4.625%
HK$151,295
+HK$7,575/mo
Deposit HK$11.52M · loan HK$26.88M · min. income ≈ HK$287,440/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,584
−HK$9,882/mo
▼ 0.25% · 3.875%
HK$162,486
−HK$4,980/mo
Today · 4.125%
HK$167,466
baseline
▲ 0.50% · 4.625%
HK$177,656
+HK$10,190/mo
Deposit HK$3.84M · loan HK$34.55M · min. income ≈ HK$334,932/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,311
−HK$9,471/mo
▼ 0.25% · 3.875%
HK$180,013
−HK$4,769/mo
Today · 4.125%
HK$184,782
baseline
▲ 0.50% · 4.625%
HK$194,523
+HK$9,741/mo
Deposit HK$3.84M · loan HK$34.55M · min. income ≈ HK$369,564/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,720 · Scale 2, in force from 26 Feb 2026)