LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,968
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,704
−HK$2,780/mo
Today · 4.125%
HK$93,484
baseline
▲ 0.50% · 4.625%
HK$99,172
+HK$5,688/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$186,968/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,863
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,488
−HK$2,662/mo
Today · 4.125%
HK$103,150
baseline
▲ 0.50% · 4.625%
HK$108,587
+HK$5,437/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$206,300/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,561
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,845
−HK$3,336/mo
Today · 4.125%
HK$112,181
baseline
▲ 0.50% · 4.625%
HK$119,007
+HK$6,826/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$224,362/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,436
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,585
−HK$3,195/mo
Today · 4.125%
HK$123,780
baseline
▲ 0.50% · 4.625%
HK$130,305
+HK$6,525/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$247,560/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,155
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$126,985
−HK$3,892/mo
Today · 4.125%
HK$130,877
baseline
▲ 0.50% · 4.625%
HK$138,841
+HK$7,964/mo
Deposit HK$11.57M · loan HK$27.00M · min. income ≈ HK$261,754/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,639,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,008
−HK$7,402/mo
▼ 0.25% · 3.875%
HK$140,683
−HK$3,727/mo
Today · 4.125%
HK$144,410
baseline
▲ 0.50% · 4.625%
HK$152,022
+HK$7,612/mo
Deposit HK$11.57M · loan HK$27.00M · min. income ≈ HK$288,820/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,639,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,342
−HK$9,929/mo
▼ 0.25% · 3.875%
HK$163,267
−HK$5,004/mo
Today · 4.125%
HK$168,271
baseline
▲ 0.50% · 4.625%
HK$178,510
+HK$10,239/mo
Deposit HK$3.86M · loan HK$34.72M · min. income ≈ HK$336,542/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,153
−HK$9,517/mo
▼ 0.25% · 3.875%
HK$180,878
−HK$4,792/mo
Today · 4.125%
HK$185,670
baseline
▲ 0.50% · 4.625%
HK$195,457
+HK$9,787/mo
Deposit HK$3.86M · loan HK$34.72M · min. income ≈ HK$371,340/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,562 · Scale 2, in force from 26 Feb 2026)