LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,697
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,425
−HK$2,772/mo
Today · 4.125%
HK$93,197
baseline
▲ 0.50% · 4.625%
HK$98,867
+HK$5,670/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,394/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,562
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,179
−HK$2,654/mo
Today · 4.125%
HK$102,833
baseline
▲ 0.50% · 4.625%
HK$108,254
+HK$5,421/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,666/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,237
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,510
−HK$3,326/mo
Today · 4.125%
HK$111,836
baseline
▲ 0.50% · 4.625%
HK$118,641
+HK$6,805/mo
Deposit HK$15.38M · loan HK$23.08M · min. income ≈ HK$223,672/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,075
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,215
−HK$3,185/mo
Today · 4.125%
HK$123,400
baseline
▲ 0.50% · 4.625%
HK$129,905
+HK$6,505/mo
Deposit HK$15.38M · loan HK$23.08M · min. income ≈ HK$246,800/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,776
−HK$7,699/mo
▼ 0.25% · 3.875%
HK$126,595
−HK$3,880/mo
Today · 4.125%
HK$130,475
baseline
▲ 0.50% · 4.625%
HK$138,414
+HK$7,939/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$260,950/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,587
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$140,250
−HK$3,717/mo
Today · 4.125%
HK$143,967
baseline
▲ 0.50% · 4.625%
HK$151,555
+HK$7,588/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$287,934/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,855
−HK$9,899/mo
▼ 0.25% · 3.875%
HK$162,765
−HK$4,989/mo
Today · 4.125%
HK$167,754
baseline
▲ 0.50% · 4.625%
HK$177,961
+HK$10,207/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$335,508/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,612
−HK$9,488/mo
▼ 0.25% · 3.875%
HK$180,322
−HK$4,778/mo
Today · 4.125%
HK$185,100
baseline
▲ 0.50% · 4.625%
HK$194,857
+HK$9,757/mo
Deposit HK$3.85M · loan HK$34.61M · min. income ≈ HK$370,200/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,525 · Scale 2, in force from 26 Feb 2026)