LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,989
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,726
−HK$2,780/mo
Today · 4.125%
HK$93,506
baseline
▲ 0.50% · 4.625%
HK$99,196
+HK$5,690/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$187,012/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,887
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,512
−HK$2,663/mo
Today · 4.125%
HK$103,175
baseline
▲ 0.50% · 4.625%
HK$108,614
+HK$5,439/mo
Deposit HK$19.29M · loan HK$19.29M · min. income ≈ HK$206,350/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$1,639,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,586
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,871
−HK$3,337/mo
Today · 4.125%
HK$112,208
baseline
▲ 0.50% · 4.625%
HK$119,035
+HK$6,827/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$224,416/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,464
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,614
−HK$3,196/mo
Today · 4.125%
HK$123,810
baseline
▲ 0.50% · 4.625%
HK$130,336
+HK$6,526/mo
Deposit HK$15.43M · loan HK$23.15M · min. income ≈ HK$247,620/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,639,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,184
−HK$7,725/mo
▼ 0.25% · 3.875%
HK$127,016
−HK$3,893/mo
Today · 4.125%
HK$130,909
baseline
▲ 0.50% · 4.625%
HK$138,874
+HK$7,965/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$261,818/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,639,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,041
−HK$7,404/mo
▼ 0.25% · 3.875%
HK$140,716
−HK$3,729/mo
Today · 4.125%
HK$144,445
baseline
▲ 0.50% · 4.625%
HK$152,059
+HK$7,614/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$288,890/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,639,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,380
−HK$9,931/mo
▼ 0.25% · 3.875%
HK$163,306
−HK$5,005/mo
Today · 4.125%
HK$168,311
baseline
▲ 0.50% · 4.625%
HK$178,553
+HK$10,242/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$336,622/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,196
−HK$9,519/mo
▼ 0.25% · 3.875%
HK$180,921
−HK$4,794/mo
Today · 4.125%
HK$185,715
baseline
▲ 0.50% · 4.625%
HK$195,504
+HK$9,789/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$371,430/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,639,956 · Scale 2, in force from 26 Feb 2026)