LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,724
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,453
−HK$2,772/mo
Today · 4.125%
HK$93,225
baseline
▲ 0.50% · 4.625%
HK$98,898
+HK$5,673/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$186,450/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,592
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,210
−HK$2,655/mo
Today · 4.125%
HK$102,865
baseline
▲ 0.50% · 4.625%
HK$108,287
+HK$5,422/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$205,730/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,269
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,543
−HK$3,327/mo
Today · 4.125%
HK$111,870
baseline
▲ 0.50% · 4.625%
HK$118,677
+HK$6,807/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$223,740/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,635,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,111
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,252
−HK$3,186/mo
Today · 4.125%
HK$123,438
baseline
▲ 0.50% · 4.625%
HK$129,944
+HK$6,506/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$246,876/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,635,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,814
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$126,634
−HK$3,881/mo
Today · 4.125%
HK$130,515
baseline
▲ 0.50% · 4.625%
HK$138,457
+HK$7,942/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$261,030/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,629
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$140,293
−HK$3,718/mo
Today · 4.125%
HK$144,011
baseline
▲ 0.50% · 4.625%
HK$151,602
+HK$7,591/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$288,022/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,904
−HK$9,901/mo
▼ 0.25% · 3.875%
HK$162,815
−HK$4,990/mo
Today · 4.125%
HK$167,805
baseline
▲ 0.50% · 4.625%
HK$178,016
+HK$10,211/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$335,610/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,666
−HK$9,491/mo
▼ 0.25% · 3.875%
HK$180,377
−HK$4,780/mo
Today · 4.125%
HK$185,157
baseline
▲ 0.50% · 4.625%
HK$194,917
+HK$9,760/mo
Deposit HK$3.85M · loan HK$34.62M · min. income ≈ HK$370,314/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,026 · Scale 2, in force from 26 Feb 2026)