LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,819
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,551
−HK$2,775/mo
Today · 4.125%
HK$93,326
baseline
▲ 0.50% · 4.625%
HK$99,005
+HK$5,679/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$186,652/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,698
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,318
−HK$2,658/mo
Today · 4.125%
HK$102,976
baseline
▲ 0.50% · 4.625%
HK$108,404
+HK$5,428/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$205,952/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,383
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,661
−HK$3,330/mo
Today · 4.125%
HK$111,991
baseline
▲ 0.50% · 4.625%
HK$118,806
+HK$6,815/mo
Deposit HK$15.41M · loan HK$23.11M · min. income ≈ HK$223,982/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,237
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,381
−HK$3,190/mo
Today · 4.125%
HK$123,571
baseline
▲ 0.50% · 4.625%
HK$130,085
+HK$6,514/mo
Deposit HK$15.41M · loan HK$23.11M · min. income ≈ HK$247,142/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,946
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,771
−HK$3,885/mo
Today · 4.125%
HK$130,656
baseline
▲ 0.50% · 4.625%
HK$138,606
+HK$7,950/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$261,312/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,777
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,445
−HK$3,721/mo
Today · 4.125%
HK$144,166
baseline
▲ 0.50% · 4.625%
HK$151,766
+HK$7,600/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$288,332/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,074
−HK$9,913/mo
▼ 0.25% · 3.875%
HK$162,991
−HK$4,996/mo
Today · 4.125%
HK$167,987
baseline
▲ 0.50% · 4.625%
HK$178,208
+HK$10,221/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$335,974/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,856
−HK$9,501/mo
▼ 0.25% · 3.875%
HK$180,572
−HK$4,785/mo
Today · 4.125%
HK$185,357
baseline
▲ 0.50% · 4.625%
HK$195,127
+HK$9,770/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$370,714/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,792 · Scale 2, in force from 26 Feb 2026)