LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,705
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,433
−HK$2,772/mo
Today · 4.125%
HK$93,205
baseline
▲ 0.50% · 4.625%
HK$98,876
+HK$5,671/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,410/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,571
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,188
−HK$2,654/mo
Today · 4.125%
HK$102,842
baseline
▲ 0.50% · 4.625%
HK$108,263
+HK$5,421/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,684/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,246
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,520
−HK$3,326/mo
Today · 4.125%
HK$111,846
baseline
▲ 0.50% · 4.625%
HK$118,651
+HK$6,805/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$223,692/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,085
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,225
−HK$3,186/mo
Today · 4.125%
HK$123,411
baseline
▲ 0.50% · 4.625%
HK$129,916
+HK$6,505/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$246,822/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,787
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$126,606
−HK$3,881/mo
Today · 4.125%
HK$130,487
baseline
▲ 0.50% · 4.625%
HK$138,427
+HK$7,940/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$260,974/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,599
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$140,263
−HK$3,716/mo
Today · 4.125%
HK$143,979
baseline
▲ 0.50% · 4.625%
HK$151,569
+HK$7,590/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$287,958/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,869
−HK$9,900/mo
▼ 0.25% · 3.875%
HK$162,780
−HK$4,989/mo
Today · 4.125%
HK$167,769
baseline
▲ 0.50% · 4.625%
HK$177,977
+HK$10,208/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$335,538/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,628
−HK$9,488/mo
▼ 0.25% · 3.875%
HK$180,338
−HK$4,778/mo
Today · 4.125%
HK$185,116
baseline
▲ 0.50% · 4.625%
HK$194,874
+HK$9,758/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$370,232/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,668 · Scale 2, in force from 26 Feb 2026)