LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,969
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,705
−HK$2,780/mo
Today · 4.125%
HK$93,485
baseline
▲ 0.50% · 4.625%
HK$99,174
+HK$5,689/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$186,970/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,865
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,489
−HK$2,663/mo
Today · 4.125%
HK$103,152
baseline
▲ 0.50% · 4.625%
HK$108,589
+HK$5,437/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$206,304/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,563
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,846
−HK$3,337/mo
Today · 4.125%
HK$112,183
baseline
▲ 0.50% · 4.625%
HK$119,009
+HK$6,826/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$224,366/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,438
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,587
−HK$3,195/mo
Today · 4.125%
HK$123,782
baseline
▲ 0.50% · 4.625%
HK$130,307
+HK$6,525/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$247,564/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,157
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$126,988
−HK$3,892/mo
Today · 4.125%
HK$130,880
baseline
▲ 0.50% · 4.625%
HK$138,843
+HK$7,963/mo
Deposit HK$11.57M · loan HK$27.00M · min. income ≈ HK$261,760/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,639,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,011
−HK$7,402/mo
▼ 0.25% · 3.875%
HK$140,685
−HK$3,728/mo
Today · 4.125%
HK$144,413
baseline
▲ 0.50% · 4.625%
HK$152,025
+HK$7,612/mo
Deposit HK$11.57M · loan HK$27.00M · min. income ≈ HK$288,826/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$1,639,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,344
−HK$9,930/mo
▼ 0.25% · 3.875%
HK$163,270
−HK$5,004/mo
Today · 4.125%
HK$168,274
baseline
▲ 0.50% · 4.625%
HK$178,513
+HK$10,239/mo
Deposit HK$3.86M · loan HK$34.72M · min. income ≈ HK$336,548/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,156
−HK$9,518/mo
▼ 0.25% · 3.875%
HK$180,881
−HK$4,793/mo
Today · 4.125%
HK$185,674
baseline
▲ 0.50% · 4.625%
HK$195,461
+HK$9,787/mo
Deposit HK$3.86M · loan HK$34.72M · min. income ≈ HK$371,348/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,590 · Scale 2, in force from 26 Feb 2026)