LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,805
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,536
−HK$2,775/mo
Today · 4.125%
HK$93,311
baseline
▲ 0.50% · 4.625%
HK$98,989
+HK$5,678/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,622/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,682
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,302
−HK$2,658/mo
Today · 4.125%
HK$102,960
baseline
▲ 0.50% · 4.625%
HK$108,387
+HK$5,427/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,920/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,366
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,644
−HK$3,330/mo
Today · 4.125%
HK$111,974
baseline
▲ 0.50% · 4.625%
HK$118,787
+HK$6,813/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,948/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,219
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,363
−HK$3,189/mo
Today · 4.125%
HK$123,552
baseline
▲ 0.50% · 4.625%
HK$130,064
+HK$6,512/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,104/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,927
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$126,751
−HK$3,885/mo
Today · 4.125%
HK$130,636
baseline
▲ 0.50% · 4.625%
HK$138,585
+HK$7,949/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$261,272/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,755
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,423
−HK$3,721/mo
Today · 4.125%
HK$144,144
baseline
▲ 0.50% · 4.625%
HK$151,742
+HK$7,598/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$288,288/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,049
−HK$9,911/mo
▼ 0.25% · 3.875%
HK$162,965
−HK$4,995/mo
Today · 4.125%
HK$167,960
baseline
▲ 0.50% · 4.625%
HK$178,180
+HK$10,220/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$335,920/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,828
−HK$9,500/mo
▼ 0.25% · 3.875%
HK$180,544
−HK$4,784/mo
Today · 4.125%
HK$185,328
baseline
▲ 0.50% · 4.625%
HK$195,097
+HK$9,769/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$370,656/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,535 · Scale 2, in force from 26 Feb 2026)