LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,787
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,518
−HK$2,774/mo
Today · 4.125%
HK$93,292
baseline
▲ 0.50% · 4.625%
HK$98,969
+HK$5,677/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,584/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,662
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,281
−HK$2,658/mo
Today · 4.125%
HK$102,939
baseline
▲ 0.50% · 4.625%
HK$108,365
+HK$5,426/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,878/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,344
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,621
−HK$3,330/mo
Today · 4.125%
HK$111,951
baseline
▲ 0.50% · 4.625%
HK$118,762
+HK$6,811/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,902/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,195
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,338
−HK$3,188/mo
Today · 4.125%
HK$123,526
baseline
▲ 0.50% · 4.625%
HK$130,038
+HK$6,512/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,052/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,902
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$126,725
−HK$3,884/mo
Today · 4.125%
HK$130,609
baseline
▲ 0.50% · 4.625%
HK$138,556
+HK$7,947/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$261,218/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,727
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$140,394
−HK$3,720/mo
Today · 4.125%
HK$144,114
baseline
▲ 0.50% · 4.625%
HK$151,711
+HK$7,597/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$288,228/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,017
−HK$9,909/mo
▼ 0.25% · 3.875%
HK$162,932
−HK$4,994/mo
Today · 4.125%
HK$167,926
baseline
▲ 0.50% · 4.625%
HK$178,144
+HK$10,218/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$335,852/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,792
−HK$9,498/mo
▼ 0.25% · 3.875%
HK$180,507
−HK$4,783/mo
Today · 4.125%
HK$185,290
baseline
▲ 0.50% · 4.625%
HK$195,056
+HK$9,766/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$370,580/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,198 · Scale 2, in force from 26 Feb 2026)