LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,931
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,667
−HK$2,779/mo
Today · 4.125%
HK$93,446
baseline
▲ 0.50% · 4.625%
HK$99,131
+HK$5,685/mo
Deposit HK$19.28M · loan HK$19.28M · min. income ≈ HK$186,892/mo (50% DSR)
Upfront cash ≈ HK$20.92M (deposit + AVD stamp duty HK$1,638,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,823
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$100,446
−HK$2,662/mo
Today · 4.125%
HK$103,108
baseline
▲ 0.50% · 4.625%
HK$108,543
+HK$5,435/mo
Deposit HK$19.28M · loan HK$19.28M · min. income ≈ HK$206,216/mo (50% DSR)
Upfront cash ≈ HK$20.92M (deposit + AVD stamp duty HK$1,638,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,518
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$108,800
−HK$3,335/mo
Today · 4.125%
HK$112,135
baseline
▲ 0.50% · 4.625%
HK$118,958
+HK$6,823/mo
Deposit HK$15.42M · loan HK$23.14M · min. income ≈ HK$224,270/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,387
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,536
−HK$3,194/mo
Today · 4.125%
HK$123,730
baseline
▲ 0.50% · 4.625%
HK$130,251
+HK$6,521/mo
Deposit HK$15.42M · loan HK$23.14M · min. income ≈ HK$247,460/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,104
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$126,933
−HK$3,891/mo
Today · 4.125%
HK$130,824
baseline
▲ 0.50% · 4.625%
HK$138,784
+HK$7,960/mo
Deposit HK$11.57M · loan HK$26.99M · min. income ≈ HK$261,648/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,638,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,952
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$140,625
−HK$3,726/mo
Today · 4.125%
HK$144,351
baseline
▲ 0.50% · 4.625%
HK$151,960
+HK$7,609/mo
Deposit HK$11.57M · loan HK$26.99M · min. income ≈ HK$288,702/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,638,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,277
−HK$9,925/mo
▼ 0.25% · 3.875%
HK$163,200
−HK$5,002/mo
Today · 4.125%
HK$168,202
baseline
▲ 0.50% · 4.625%
HK$178,437
+HK$10,235/mo
Deposit HK$3.86M · loan HK$34.71M · min. income ≈ HK$336,404/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,638,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,081
−HK$9,513/mo
▼ 0.25% · 3.875%
HK$180,804
−HK$4,790/mo
Today · 4.125%
HK$185,594
baseline
▲ 0.50% · 4.625%
HK$195,377
+HK$9,783/mo
Deposit HK$3.86M · loan HK$34.71M · min. income ≈ HK$371,188/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,638,890 · Scale 2, in force from 26 Feb 2026)