LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,958
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,694
−HK$2,780/mo
Today · 4.125%
HK$93,474
baseline
▲ 0.50% · 4.625%
HK$99,161
+HK$5,687/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$186,948/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,852
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,477
−HK$2,662/mo
Today · 4.125%
HK$103,139
baseline
▲ 0.50% · 4.625%
HK$108,576
+HK$5,437/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$206,278/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,550
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,833
−HK$3,336/mo
Today · 4.125%
HK$112,169
baseline
▲ 0.50% · 4.625%
HK$118,994
+HK$6,825/mo
Deposit HK$15.43M · loan HK$23.14M · min. income ≈ HK$224,338/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,423
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,572
−HK$3,195/mo
Today · 4.125%
HK$123,767
baseline
▲ 0.50% · 4.625%
HK$130,291
+HK$6,524/mo
Deposit HK$15.43M · loan HK$23.14M · min. income ≈ HK$247,534/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,141
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$126,972
−HK$3,891/mo
Today · 4.125%
HK$130,863
baseline
▲ 0.50% · 4.625%
HK$138,826
+HK$7,963/mo
Deposit HK$11.57M · loan HK$27.00M · min. income ≈ HK$261,726/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,639,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,993
−HK$7,402/mo
▼ 0.25% · 3.875%
HK$140,668
−HK$3,727/mo
Today · 4.125%
HK$144,395
baseline
▲ 0.50% · 4.625%
HK$152,006
+HK$7,611/mo
Deposit HK$11.57M · loan HK$27.00M · min. income ≈ HK$288,790/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,639,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,324
−HK$9,929/mo
▼ 0.25% · 3.875%
HK$163,249
−HK$5,004/mo
Today · 4.125%
HK$168,253
baseline
▲ 0.50% · 4.625%
HK$178,491
+HK$10,238/mo
Deposit HK$3.86M · loan HK$34.72M · min. income ≈ HK$336,506/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,134
−HK$9,516/mo
▼ 0.25% · 3.875%
HK$180,858
−HK$4,792/mo
Today · 4.125%
HK$185,650
baseline
▲ 0.50% · 4.625%
HK$195,436
+HK$9,786/mo
Deposit HK$3.86M · loan HK$34.72M · min. income ≈ HK$371,300/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,385 · Scale 2, in force from 26 Feb 2026)