LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,706
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,434
−HK$2,772/mo
Today · 4.125%
HK$93,206
baseline
▲ 0.50% · 4.625%
HK$98,877
+HK$5,671/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$186,412/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,572
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,189
−HK$2,654/mo
Today · 4.125%
HK$102,843
baseline
▲ 0.50% · 4.625%
HK$108,264
+HK$5,421/mo
Deposit HK$19.23M · loan HK$19.23M · min. income ≈ HK$205,686/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,634,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,247
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,521
−HK$3,326/mo
Today · 4.125%
HK$111,847
baseline
▲ 0.50% · 4.625%
HK$118,652
+HK$6,805/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$223,694/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,086
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,226
−HK$3,186/mo
Today · 4.125%
HK$123,412
baseline
▲ 0.50% · 4.625%
HK$129,917
+HK$6,505/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$246,824/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,634,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,788
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$126,607
−HK$3,881/mo
Today · 4.125%
HK$130,488
baseline
▲ 0.50% · 4.625%
HK$138,428
+HK$7,940/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$260,976/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,600
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$140,264
−HK$3,716/mo
Today · 4.125%
HK$143,980
baseline
▲ 0.50% · 4.625%
HK$151,570
+HK$7,590/mo
Deposit HK$11.54M · loan HK$26.92M · min. income ≈ HK$287,960/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,870
−HK$9,900/mo
▼ 0.25% · 3.875%
HK$162,781
−HK$4,989/mo
Today · 4.125%
HK$167,770
baseline
▲ 0.50% · 4.625%
HK$177,979
+HK$10,209/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$335,540/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,629
−HK$9,489/mo
▼ 0.25% · 3.875%
HK$180,339
−HK$4,779/mo
Today · 4.125%
HK$185,118
baseline
▲ 0.50% · 4.625%
HK$194,876
+HK$9,758/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$370,236/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,682 · Scale 2, in force from 26 Feb 2026)