LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,861
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,594
−HK$2,777/mo
Today · 4.125%
HK$93,371
baseline
▲ 0.50% · 4.625%
HK$99,052
+HK$5,681/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$186,742/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,744
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,366
−HK$2,659/mo
Today · 4.125%
HK$103,025
baseline
▲ 0.50% · 4.625%
HK$108,456
+HK$5,431/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$206,050/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,433
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,713
−HK$3,332/mo
Today · 4.125%
HK$112,045
baseline
▲ 0.50% · 4.625%
HK$118,862
+HK$6,817/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$224,090/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,293
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,439
−HK$3,191/mo
Today · 4.125%
HK$123,630
baseline
▲ 0.50% · 4.625%
HK$130,147
+HK$6,517/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$247,260/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,005
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$126,831
−HK$3,888/mo
Today · 4.125%
HK$130,719
baseline
▲ 0.50% · 4.625%
HK$138,673
+HK$7,954/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$261,438/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,842
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$140,512
−HK$3,723/mo
Today · 4.125%
HK$144,235
baseline
▲ 0.50% · 4.625%
HK$151,838
+HK$7,603/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$288,470/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,150
−HK$9,917/mo
▼ 0.25% · 3.875%
HK$163,069
−HK$4,998/mo
Today · 4.125%
HK$168,067
baseline
▲ 0.50% · 4.625%
HK$178,294
+HK$10,227/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$336,134/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,940
−HK$9,505/mo
▼ 0.25% · 3.875%
HK$180,659
−HK$4,786/mo
Today · 4.125%
HK$185,445
baseline
▲ 0.50% · 4.625%
HK$195,220
+HK$9,775/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$370,890/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,575 · Scale 2, in force from 26 Feb 2026)