LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,934
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,669
−HK$2,779/mo
Today · 4.125%
HK$93,448
baseline
▲ 0.50% · 4.625%
HK$99,134
+HK$5,686/mo
Deposit HK$19.28M · loan HK$19.28M · min. income ≈ HK$186,896/mo (50% DSR)
Upfront cash ≈ HK$20.92M (deposit + AVD stamp duty HK$1,638,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,825
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,449
−HK$2,662/mo
Today · 4.125%
HK$103,111
baseline
▲ 0.50% · 4.625%
HK$108,546
+HK$5,435/mo
Deposit HK$19.28M · loan HK$19.28M · min. income ≈ HK$206,222/mo (50% DSR)
Upfront cash ≈ HK$20.92M (deposit + AVD stamp duty HK$1,638,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,521
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$108,803
−HK$3,335/mo
Today · 4.125%
HK$112,138
baseline
▲ 0.50% · 4.625%
HK$118,961
+HK$6,823/mo
Deposit HK$15.43M · loan HK$23.14M · min. income ≈ HK$224,276/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,391
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$120,539
−HK$3,194/mo
Today · 4.125%
HK$123,733
baseline
▲ 0.50% · 4.625%
HK$130,255
+HK$6,522/mo
Deposit HK$15.43M · loan HK$23.14M · min. income ≈ HK$247,466/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,638,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,107
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$126,937
−HK$3,890/mo
Today · 4.125%
HK$130,827
baseline
▲ 0.50% · 4.625%
HK$138,788
+HK$7,961/mo
Deposit HK$11.57M · loan HK$26.99M · min. income ≈ HK$261,654/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,638,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,956
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$140,629
−HK$3,726/mo
Today · 4.125%
HK$144,355
baseline
▲ 0.50% · 4.625%
HK$151,964
+HK$7,609/mo
Deposit HK$11.57M · loan HK$26.99M · min. income ≈ HK$288,710/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,638,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,281
−HK$9,925/mo
▼ 0.25% · 3.875%
HK$163,204
−HK$5,002/mo
Today · 4.125%
HK$168,206
baseline
▲ 0.50% · 4.625%
HK$178,441
+HK$10,235/mo
Deposit HK$3.86M · loan HK$34.71M · min. income ≈ HK$336,412/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,638,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,086
−HK$9,513/mo
▼ 0.25% · 3.875%
HK$180,808
−HK$4,791/mo
Today · 4.125%
HK$185,599
baseline
▲ 0.50% · 4.625%
HK$195,382
+HK$9,783/mo
Deposit HK$3.86M · loan HK$34.71M · min. income ≈ HK$371,198/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,638,932 · Scale 2, in force from 26 Feb 2026)