LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,864
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,597
−HK$2,777/mo
Today · 4.125%
HK$93,374
baseline
▲ 0.50% · 4.625%
HK$99,055
+HK$5,681/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$186,748/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,748
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,369
−HK$2,660/mo
Today · 4.125%
HK$103,029
baseline
▲ 0.50% · 4.625%
HK$108,460
+HK$5,431/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$206,058/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,437
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,716
−HK$3,333/mo
Today · 4.125%
HK$112,049
baseline
▲ 0.50% · 4.625%
HK$118,866
+HK$6,817/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$224,098/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,297
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,443
−HK$3,192/mo
Today · 4.125%
HK$123,635
baseline
▲ 0.50% · 4.625%
HK$130,151
+HK$6,516/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$247,270/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,010
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$126,836
−HK$3,887/mo
Today · 4.125%
HK$130,723
baseline
▲ 0.50% · 4.625%
HK$138,678
+HK$7,955/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$261,446/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,847
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$140,517
−HK$3,723/mo
Today · 4.125%
HK$144,240
baseline
▲ 0.50% · 4.625%
HK$151,843
+HK$7,603/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$288,480/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,155
−HK$9,918/mo
▼ 0.25% · 3.875%
HK$163,075
−HK$4,998/mo
Today · 4.125%
HK$168,073
baseline
▲ 0.50% · 4.625%
HK$178,300
+HK$10,227/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$336,146/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,946
−HK$9,506/mo
▼ 0.25% · 3.875%
HK$180,665
−HK$4,787/mo
Today · 4.125%
HK$185,452
baseline
▲ 0.50% · 4.625%
HK$195,227
+HK$9,775/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$370,904/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,631 · Scale 2, in force from 26 Feb 2026)