LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,879
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,612
−HK$2,777/mo
Today · 4.125%
HK$93,389
baseline
▲ 0.50% · 4.625%
HK$99,072
+HK$5,683/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$186,778/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,637,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,764
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,386
−HK$2,660/mo
Today · 4.125%
HK$103,046
baseline
▲ 0.50% · 4.625%
HK$108,478
+HK$5,432/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$206,092/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,637,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,454
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,735
−HK$3,332/mo
Today · 4.125%
HK$112,067
baseline
▲ 0.50% · 4.625%
HK$118,886
+HK$6,819/mo
Deposit HK$15.42M · loan HK$23.12M · min. income ≈ HK$224,134/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,317
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,463
−HK$3,192/mo
Today · 4.125%
HK$123,655
baseline
▲ 0.50% · 4.625%
HK$130,173
+HK$6,518/mo
Deposit HK$15.42M · loan HK$23.12M · min. income ≈ HK$247,310/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,030
−HK$7,715/mo
▼ 0.25% · 3.875%
HK$126,857
−HK$3,888/mo
Today · 4.125%
HK$130,745
baseline
▲ 0.50% · 4.625%
HK$138,701
+HK$7,956/mo
Deposit HK$11.56M · loan HK$26.98M · min. income ≈ HK$261,490/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,870
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$140,541
−HK$3,723/mo
Today · 4.125%
HK$144,264
baseline
▲ 0.50% · 4.625%
HK$151,869
+HK$7,605/mo
Deposit HK$11.56M · loan HK$26.98M · min. income ≈ HK$288,528/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,182
−HK$9,919/mo
▼ 0.25% · 3.875%
HK$163,102
−HK$4,999/mo
Today · 4.125%
HK$168,101
baseline
▲ 0.50% · 4.625%
HK$178,330
+HK$10,229/mo
Deposit HK$3.85M · loan HK$34.69M · min. income ≈ HK$336,202/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,975
−HK$9,508/mo
▼ 0.25% · 3.875%
HK$180,695
−HK$4,788/mo
Today · 4.125%
HK$185,483
baseline
▲ 0.50% · 4.625%
HK$195,260
+HK$9,777/mo
Deposit HK$3.85M · loan HK$34.69M · min. income ≈ HK$370,966/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,906 · Scale 2, in force from 26 Feb 2026)