LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,686
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,414
−HK$2,771/mo
Today · 4.125%
HK$93,185
baseline
▲ 0.50% · 4.625%
HK$98,855
+HK$5,670/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,370/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,550
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,167
−HK$2,654/mo
Today · 4.125%
HK$102,821
baseline
▲ 0.50% · 4.625%
HK$108,240
+HK$5,419/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,642/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,224
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,497
−HK$3,325/mo
Today · 4.125%
HK$111,822
baseline
▲ 0.50% · 4.625%
HK$118,626
+HK$6,804/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$223,644/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,060
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,200
−HK$3,185/mo
Today · 4.125%
HK$123,385
baseline
▲ 0.50% · 4.625%
HK$129,889
+HK$6,504/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$246,770/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,761
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$126,580
−HK$3,879/mo
Today · 4.125%
HK$130,459
baseline
▲ 0.50% · 4.625%
HK$138,397
+HK$7,938/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$260,918/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,570
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$140,233
−HK$3,716/mo
Today · 4.125%
HK$143,949
baseline
▲ 0.50% · 4.625%
HK$151,537
+HK$7,588/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$287,898/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,836
−HK$9,897/mo
▼ 0.25% · 3.875%
HK$162,745
−HK$4,988/mo
Today · 4.125%
HK$167,733
baseline
▲ 0.50% · 4.625%
HK$177,939
+HK$10,206/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$335,466/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,590
−HK$9,487/mo
▼ 0.25% · 3.875%
HK$180,300
−HK$4,777/mo
Today · 4.125%
HK$185,077
baseline
▲ 0.50% · 4.625%
HK$194,833
+HK$9,756/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$370,154/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,323 · Scale 2, in force from 26 Feb 2026)