LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,605
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,330
−HK$2,769/mo
Today · 4.125%
HK$93,099
baseline
▲ 0.50% · 4.625%
HK$98,764
+HK$5,665/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$186,198/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$1,632,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,460
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,074
−HK$2,652/mo
Today · 4.125%
HK$102,726
baseline
▲ 0.50% · 4.625%
HK$108,140
+HK$5,414/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$205,452/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$1,632,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,126
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,396
−HK$3,323/mo
Today · 4.125%
HK$111,719
baseline
▲ 0.50% · 4.625%
HK$118,517
+HK$6,798/mo
Deposit HK$15.37M · loan HK$23.05M · min. income ≈ HK$223,438/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,632,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,952
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,089
−HK$3,182/mo
Today · 4.125%
HK$123,271
baseline
▲ 0.50% · 4.625%
HK$129,768
+HK$6,497/mo
Deposit HK$15.37M · loan HK$23.05M · min. income ≈ HK$246,542/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,632,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,647
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$126,462
−HK$3,877/mo
Today · 4.125%
HK$130,339
baseline
▲ 0.50% · 4.625%
HK$138,269
+HK$7,930/mo
Deposit HK$11.53M · loan HK$26.89M · min. income ≈ HK$260,678/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,632,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,444
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$140,103
−HK$3,713/mo
Today · 4.125%
HK$143,816
baseline
▲ 0.50% · 4.625%
HK$151,396
+HK$7,580/mo
Deposit HK$11.53M · loan HK$26.89M · min. income ≈ HK$287,632/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,632,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,690
−HK$9,888/mo
▼ 0.25% · 3.875%
HK$162,595
−HK$4,983/mo
Today · 4.125%
HK$167,578
baseline
▲ 0.50% · 4.625%
HK$177,775
+HK$10,197/mo
Deposit HK$3.84M · loan HK$34.58M · min. income ≈ HK$335,156/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,632,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,428
−HK$9,478/mo
▼ 0.25% · 3.875%
HK$180,133
−HK$4,773/mo
Today · 4.125%
HK$184,906
baseline
▲ 0.50% · 4.625%
HK$194,653
+HK$9,747/mo
Deposit HK$3.84M · loan HK$34.58M · min. income ≈ HK$369,812/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,632,811 · Scale 2, in force from 26 Feb 2026)