LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,821
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,553
−HK$2,775/mo
Today · 4.125%
HK$93,328
baseline
▲ 0.50% · 4.625%
HK$99,007
+HK$5,679/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$186,656/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,700
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,320
−HK$2,659/mo
Today · 4.125%
HK$102,979
baseline
▲ 0.50% · 4.625%
HK$108,407
+HK$5,428/mo
Deposit HK$19.26M · loan HK$19.26M · min. income ≈ HK$205,958/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,385
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,663
−HK$3,331/mo
Today · 4.125%
HK$111,994
baseline
▲ 0.50% · 4.625%
HK$118,808
+HK$6,814/mo
Deposit HK$15.41M · loan HK$23.11M · min. income ≈ HK$223,988/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,240
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,384
−HK$3,190/mo
Today · 4.125%
HK$123,574
baseline
▲ 0.50% · 4.625%
HK$130,088
+HK$6,514/mo
Deposit HK$15.41M · loan HK$23.11M · min. income ≈ HK$247,148/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,950
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,774
−HK$3,886/mo
Today · 4.125%
HK$130,660
baseline
▲ 0.50% · 4.625%
HK$138,610
+HK$7,950/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$261,320/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,780
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$140,448
−HK$3,722/mo
Today · 4.125%
HK$144,170
baseline
▲ 0.50% · 4.625%
HK$151,769
+HK$7,599/mo
Deposit HK$11.55M · loan HK$26.96M · min. income ≈ HK$288,340/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,078
−HK$9,913/mo
▼ 0.25% · 3.875%
HK$162,995
−HK$4,996/mo
Today · 4.125%
HK$167,991
baseline
▲ 0.50% · 4.625%
HK$178,213
+HK$10,222/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$335,982/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,860
−HK$9,501/mo
▼ 0.25% · 3.875%
HK$180,577
−HK$4,784/mo
Today · 4.125%
HK$185,361
baseline
▲ 0.50% · 4.625%
HK$195,132
+HK$9,771/mo
Deposit HK$3.85M · loan HK$34.66M · min. income ≈ HK$370,722/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,832 · Scale 2, in force from 26 Feb 2026)