LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,817
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,548
−HK$2,775/mo
Today · 4.125%
HK$93,323
baseline
▲ 0.50% · 4.625%
HK$99,002
+HK$5,679/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$186,646/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,695
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,315
−HK$2,658/mo
Today · 4.125%
HK$102,973
baseline
▲ 0.50% · 4.625%
HK$108,401
+HK$5,428/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$205,946/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,380
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,658
−HK$3,330/mo
Today · 4.125%
HK$111,988
baseline
▲ 0.50% · 4.625%
HK$118,802
+HK$6,814/mo
Deposit HK$15.40M · loan HK$23.11M · min. income ≈ HK$223,976/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,234
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,378
−HK$3,190/mo
Today · 4.125%
HK$123,568
baseline
▲ 0.50% · 4.625%
HK$130,081
+HK$6,513/mo
Deposit HK$15.40M · loan HK$23.11M · min. income ≈ HK$247,136/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,943
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,767
−HK$3,886/mo
Today · 4.125%
HK$130,653
baseline
▲ 0.50% · 4.625%
HK$138,603
+HK$7,950/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$261,306/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,773
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,441
−HK$3,721/mo
Today · 4.125%
HK$144,162
baseline
▲ 0.50% · 4.625%
HK$151,761
+HK$7,599/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$288,324/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,070
−HK$9,912/mo
▼ 0.25% · 3.875%
HK$162,987
−HK$4,995/mo
Today · 4.125%
HK$167,982
baseline
▲ 0.50% · 4.625%
HK$178,203
+HK$10,221/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$335,964/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,851
−HK$9,501/mo
▼ 0.25% · 3.875%
HK$180,567
−HK$4,785/mo
Today · 4.125%
HK$185,352
baseline
▲ 0.50% · 4.625%
HK$195,122
+HK$9,770/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$370,704/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,748 · Scale 2, in force from 26 Feb 2026)