LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,890
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,624
−HK$2,777/mo
Today · 4.125%
HK$93,401
baseline
▲ 0.50% · 4.625%
HK$99,085
+HK$5,684/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$186,802/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,638,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,777
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,399
−HK$2,660/mo
Today · 4.125%
HK$103,059
baseline
▲ 0.50% · 4.625%
HK$108,492
+HK$5,433/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$206,118/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,638,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,468
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,749
−HK$3,333/mo
Today · 4.125%
HK$112,082
baseline
▲ 0.50% · 4.625%
HK$118,902
+HK$6,820/mo
Deposit HK$15.42M · loan HK$23.13M · min. income ≈ HK$224,164/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,332
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,479
−HK$3,192/mo
Today · 4.125%
HK$123,671
baseline
▲ 0.50% · 4.625%
HK$130,190
+HK$6,519/mo
Deposit HK$15.42M · loan HK$23.13M · min. income ≈ HK$247,342/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,046
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$126,873
−HK$3,889/mo
Today · 4.125%
HK$130,762
baseline
▲ 0.50% · 4.625%
HK$138,719
+HK$7,957/mo
Deposit HK$11.56M · loan HK$26.98M · min. income ≈ HK$261,524/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,638,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,887
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$140,559
−HK$3,724/mo
Today · 4.125%
HK$144,283
baseline
▲ 0.50% · 4.625%
HK$151,888
+HK$7,605/mo
Deposit HK$11.56M · loan HK$26.98M · min. income ≈ HK$288,566/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,638,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,202
−HK$9,921/mo
▼ 0.25% · 3.875%
HK$163,123
−HK$5,000/mo
Today · 4.125%
HK$168,123
baseline
▲ 0.50% · 4.625%
HK$178,352
+HK$10,229/mo
Deposit HK$3.85M · loan HK$34.69M · min. income ≈ HK$336,246/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,998
−HK$9,509/mo
▼ 0.25% · 3.875%
HK$180,718
−HK$4,789/mo
Today · 4.125%
HK$185,507
baseline
▲ 0.50% · 4.625%
HK$195,285
+HK$9,778/mo
Deposit HK$3.85M · loan HK$34.69M · min. income ≈ HK$371,014/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,116 · Scale 2, in force from 26 Feb 2026)