LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,638
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,364
−HK$2,769/mo
Today · 4.125%
HK$93,133
baseline
▲ 0.50% · 4.625%
HK$98,800
+HK$5,667/mo
Deposit HK$19.22M · loan HK$19.22M · min. income ≈ HK$186,266/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$1,633,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,496
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,111
−HK$2,652/mo
Today · 4.125%
HK$102,763
baseline
▲ 0.50% · 4.625%
HK$108,180
+HK$5,417/mo
Deposit HK$19.22M · loan HK$19.22M · min. income ≈ HK$205,526/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$1,633,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,165
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,436
−HK$3,324/mo
Today · 4.125%
HK$111,760
baseline
▲ 0.50% · 4.625%
HK$118,560
+HK$6,800/mo
Deposit HK$15.37M · loan HK$23.06M · min. income ≈ HK$223,520/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,633,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,995
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,133
−HK$3,183/mo
Today · 4.125%
HK$123,316
baseline
▲ 0.50% · 4.625%
HK$129,816
+HK$6,500/mo
Deposit HK$15.37M · loan HK$23.06M · min. income ≈ HK$246,632/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,633,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,693
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$126,509
−HK$3,878/mo
Today · 4.125%
HK$130,387
baseline
▲ 0.50% · 4.625%
HK$138,320
+HK$7,933/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$260,774/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,633,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,494
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$140,155
−HK$3,714/mo
Today · 4.125%
HK$143,869
baseline
▲ 0.50% · 4.625%
HK$151,452
+HK$7,583/mo
Deposit HK$11.53M · loan HK$26.90M · min. income ≈ HK$287,738/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,633,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,748
−HK$9,892/mo
▼ 0.25% · 3.875%
HK$162,655
−HK$4,985/mo
Today · 4.125%
HK$167,640
baseline
▲ 0.50% · 4.625%
HK$177,840
+HK$10,200/mo
Deposit HK$3.84M · loan HK$34.59M · min. income ≈ HK$335,280/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,633,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,493
−HK$9,481/mo
▼ 0.25% · 3.875%
HK$180,199
−HK$4,775/mo
Today · 4.125%
HK$184,974
baseline
▲ 0.50% · 4.625%
HK$194,724
+HK$9,750/mo
Deposit HK$3.84M · loan HK$34.59M · min. income ≈ HK$369,948/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,633,414 · Scale 2, in force from 26 Feb 2026)