LTV · monthly repayment
▼ 0.50% · 3.625%
HK$87,997
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,734
−HK$2,781/mo
Today · 4.125%
HK$93,515
baseline
▲ 0.50% · 4.625%
HK$99,206
+HK$5,691/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$187,030/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,896
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,521
−HK$2,664/mo
Today · 4.125%
HK$103,185
baseline
▲ 0.50% · 4.625%
HK$108,624
+HK$5,439/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$206,370/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,597
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,881
−HK$3,337/mo
Today · 4.125%
HK$112,218
baseline
▲ 0.50% · 4.625%
HK$119,047
+HK$6,829/mo
Deposit HK$15.44M · loan HK$23.15M · min. income ≈ HK$224,436/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,475
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,626
−HK$3,196/mo
Today · 4.125%
HK$123,822
baseline
▲ 0.50% · 4.625%
HK$130,349
+HK$6,527/mo
Deposit HK$15.44M · loan HK$23.15M · min. income ≈ HK$247,644/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,196
−HK$7,725/mo
▼ 0.25% · 3.875%
HK$127,028
−HK$3,893/mo
Today · 4.125%
HK$130,921
baseline
▲ 0.50% · 4.625%
HK$138,888
+HK$7,967/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$261,842/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,054
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$140,730
−HK$3,729/mo
Today · 4.125%
HK$144,459
baseline
▲ 0.50% · 4.625%
HK$152,074
+HK$7,615/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$288,918/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,395
−HK$9,933/mo
▼ 0.25% · 3.875%
HK$163,322
−HK$5,006/mo
Today · 4.125%
HK$168,328
baseline
▲ 0.50% · 4.625%
HK$178,570
+HK$10,242/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$336,656/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,213
−HK$9,520/mo
▼ 0.25% · 3.875%
HK$180,939
−HK$4,794/mo
Today · 4.125%
HK$185,733
baseline
▲ 0.50% · 4.625%
HK$195,523
+HK$9,790/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$371,466/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,114 · Scale 2, in force from 26 Feb 2026)