LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,772
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,502
−HK$2,774/mo
Today · 4.125%
HK$93,276
baseline
▲ 0.50% · 4.625%
HK$98,952
+HK$5,676/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,552/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,646
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,264
−HK$2,657/mo
Today · 4.125%
HK$102,921
baseline
▲ 0.50% · 4.625%
HK$108,346
+HK$5,425/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,842/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,327
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$108,603
−HK$3,329/mo
Today · 4.125%
HK$111,932
baseline
▲ 0.50% · 4.625%
HK$118,742
+HK$6,810/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,864/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,175
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,317
−HK$3,188/mo
Today · 4.125%
HK$123,505
baseline
▲ 0.50% · 4.625%
HK$130,016
+HK$6,511/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,010/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,881
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$126,703
−HK$3,884/mo
Today · 4.125%
HK$130,587
baseline
▲ 0.50% · 4.625%
HK$138,533
+HK$7,946/mo
Deposit HK$11.55M · loan HK$26.94M · min. income ≈ HK$261,174/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,704
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$140,370
−HK$3,720/mo
Today · 4.125%
HK$144,090
baseline
▲ 0.50% · 4.625%
HK$151,685
+HK$7,595/mo
Deposit HK$11.55M · loan HK$26.94M · min. income ≈ HK$288,180/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,990
−HK$9,907/mo
▼ 0.25% · 3.875%
HK$162,904
−HK$4,993/mo
Today · 4.125%
HK$167,897
baseline
▲ 0.50% · 4.625%
HK$178,113
+HK$10,216/mo
Deposit HK$3.85M · loan HK$34.64M · min. income ≈ HK$335,794/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,762
−HK$9,496/mo
▼ 0.25% · 3.875%
HK$180,476
−HK$4,782/mo
Today · 4.125%
HK$185,258
baseline
▲ 0.50% · 4.625%
HK$195,023
+HK$9,765/mo
Deposit HK$3.85M · loan HK$34.64M · min. income ≈ HK$370,516/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,635,921 · Scale 2, in force from 26 Feb 2026)