LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,984
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,721
−HK$2,780/mo
Today · 4.125%
HK$93,501
baseline
▲ 0.50% · 4.625%
HK$99,190
+HK$5,689/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$187,002/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,881
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,506
−HK$2,663/mo
Today · 4.125%
HK$103,169
baseline
▲ 0.50% · 4.625%
HK$108,607
+HK$5,438/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$206,338/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,580
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,865
−HK$3,336/mo
Today · 4.125%
HK$112,201
baseline
▲ 0.50% · 4.625%
HK$119,029
+HK$6,828/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$224,402/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,457
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,607
−HK$3,196/mo
Today · 4.125%
HK$123,803
baseline
▲ 0.50% · 4.625%
HK$130,329
+HK$6,526/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$247,606/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,177
−HK$7,725/mo
▼ 0.25% · 3.875%
HK$127,009
−HK$3,893/mo
Today · 4.125%
HK$130,902
baseline
▲ 0.50% · 4.625%
HK$138,867
+HK$7,965/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$261,804/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,639,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,033
−HK$7,404/mo
▼ 0.25% · 3.875%
HK$140,709
−HK$3,728/mo
Today · 4.125%
HK$144,437
baseline
▲ 0.50% · 4.625%
HK$152,050
+HK$7,613/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$288,874/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,639,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,371
−HK$9,931/mo
▼ 0.25% · 3.875%
HK$163,297
−HK$5,005/mo
Today · 4.125%
HK$168,302
baseline
▲ 0.50% · 4.625%
HK$178,543
+HK$10,241/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$336,604/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,186
−HK$9,519/mo
▼ 0.25% · 3.875%
HK$180,911
−HK$4,794/mo
Today · 4.125%
HK$185,705
baseline
▲ 0.50% · 4.625%
HK$195,493
+HK$9,788/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$371,410/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,864 · Scale 2, in force from 26 Feb 2026)