LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,776
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,507
−HK$2,774/mo
Today · 4.125%
HK$93,281
baseline
▲ 0.50% · 4.625%
HK$98,956
+HK$5,675/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,562/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,635,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,650
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,269
−HK$2,657/mo
Today · 4.125%
HK$102,926
baseline
▲ 0.50% · 4.625%
HK$108,351
+HK$5,425/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,852/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,635,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,331
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,608
−HK$3,329/mo
Today · 4.125%
HK$111,937
baseline
▲ 0.50% · 4.625%
HK$118,748
+HK$6,811/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,874/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,635,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,180
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,323
−HK$3,188/mo
Today · 4.125%
HK$123,511
baseline
▲ 0.50% · 4.625%
HK$130,021
+HK$6,510/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,022/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,635,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,887
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$126,709
−HK$3,884/mo
Today · 4.125%
HK$130,593
baseline
▲ 0.50% · 4.625%
HK$138,539
+HK$7,946/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$261,186/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,710
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$140,377
−HK$3,719/mo
Today · 4.125%
HK$144,096
baseline
▲ 0.50% · 4.625%
HK$151,692
+HK$7,596/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$288,192/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,997
−HK$9,908/mo
▼ 0.25% · 3.875%
HK$162,912
−HK$4,993/mo
Today · 4.125%
HK$167,905
baseline
▲ 0.50% · 4.625%
HK$178,122
+HK$10,217/mo
Deposit HK$3.85M · loan HK$34.64M · min. income ≈ HK$335,810/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,635,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,770
−HK$9,497/mo
▼ 0.25% · 3.875%
HK$180,484
−HK$4,783/mo
Today · 4.125%
HK$185,267
baseline
▲ 0.50% · 4.625%
HK$195,032
+HK$9,765/mo
Deposit HK$3.85M · loan HK$34.64M · min. income ≈ HK$370,534/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,635,995 · Scale 2, in force from 26 Feb 2026)