LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,781
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,512
−HK$2,774/mo
Today · 4.125%
HK$93,286
baseline
▲ 0.50% · 4.625%
HK$98,962
+HK$5,676/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,572/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,636,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,656
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,275
−HK$2,657/mo
Today · 4.125%
HK$102,932
baseline
▲ 0.50% · 4.625%
HK$108,357
+HK$5,425/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,864/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$1,636,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,337
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,614
−HK$3,329/mo
Today · 4.125%
HK$111,943
baseline
▲ 0.50% · 4.625%
HK$118,754
+HK$6,811/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,886/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,636,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,187
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,330
−HK$3,188/mo
Today · 4.125%
HK$123,518
baseline
▲ 0.50% · 4.625%
HK$130,029
+HK$6,511/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,036/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,636,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,893
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$126,716
−HK$3,884/mo
Today · 4.125%
HK$130,600
baseline
▲ 0.50% · 4.625%
HK$138,547
+HK$7,947/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$261,200/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,636,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,718
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$140,384
−HK$3,720/mo
Today · 4.125%
HK$144,104
baseline
▲ 0.50% · 4.625%
HK$151,700
+HK$7,596/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$288,208/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,636,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,006
−HK$9,908/mo
▼ 0.25% · 3.875%
HK$162,921
−HK$4,993/mo
Today · 4.125%
HK$167,914
baseline
▲ 0.50% · 4.625%
HK$178,131
+HK$10,217/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$335,828/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,780
−HK$9,497/mo
▼ 0.25% · 3.875%
HK$180,494
−HK$4,783/mo
Today · 4.125%
HK$185,277
baseline
▲ 0.50% · 4.625%
HK$195,043
+HK$9,766/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$370,554/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,086 · Scale 2, in force from 26 Feb 2026)