LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,728
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,457
−HK$2,772/mo
Today · 4.125%
HK$93,229
baseline
▲ 0.50% · 4.625%
HK$98,902
+HK$5,673/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$186,458/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,597
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,214
−HK$2,655/mo
Today · 4.125%
HK$102,869
baseline
▲ 0.50% · 4.625%
HK$108,292
+HK$5,423/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$205,738/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,274
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,548
−HK$3,327/mo
Today · 4.125%
HK$111,875
baseline
▲ 0.50% · 4.625%
HK$118,683
+HK$6,808/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$223,750/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,635,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,116
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,257
−HK$3,186/mo
Today · 4.125%
HK$123,443
baseline
▲ 0.50% · 4.625%
HK$129,950
+HK$6,507/mo
Deposit HK$15.39M · loan HK$23.08M · min. income ≈ HK$246,886/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,635,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,819
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$126,640
−HK$3,881/mo
Today · 4.125%
HK$130,521
baseline
▲ 0.50% · 4.625%
HK$138,463
+HK$7,942/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$261,042/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,635
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$140,300
−HK$3,717/mo
Today · 4.125%
HK$144,017
baseline
▲ 0.50% · 4.625%
HK$151,609
+HK$7,592/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$288,034/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,911
−HK$9,902/mo
▼ 0.25% · 3.875%
HK$162,822
−HK$4,991/mo
Today · 4.125%
HK$167,813
baseline
▲ 0.50% · 4.625%
HK$178,024
+HK$10,211/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$335,626/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,674
−HK$9,491/mo
▼ 0.25% · 3.875%
HK$180,385
−HK$4,780/mo
Today · 4.125%
HK$185,165
baseline
▲ 0.50% · 4.625%
HK$194,925
+HK$9,760/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$370,330/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,099 · Scale 2, in force from 26 Feb 2026)