LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,003
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,740
−HK$2,782/mo
Today · 4.125%
HK$93,522
baseline
▲ 0.50% · 4.625%
HK$99,212
+HK$5,690/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$187,044/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,902
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,528
−HK$2,664/mo
Today · 4.125%
HK$103,192
baseline
▲ 0.50% · 4.625%
HK$108,631
+HK$5,439/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$206,384/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,604
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,888
−HK$3,338/mo
Today · 4.125%
HK$112,226
baseline
▲ 0.50% · 4.625%
HK$119,055
+HK$6,829/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$224,452/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,483
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,634
−HK$3,196/mo
Today · 4.125%
HK$123,830
baseline
▲ 0.50% · 4.625%
HK$130,357
+HK$6,527/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$247,660/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,204
−HK$7,726/mo
▼ 0.25% · 3.875%
HK$127,037
−HK$3,893/mo
Today · 4.125%
HK$130,930
baseline
▲ 0.50% · 4.625%
HK$138,897
+HK$7,967/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$261,860/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,063
−HK$7,406/mo
▼ 0.25% · 3.875%
HK$140,739
−HK$3,730/mo
Today · 4.125%
HK$144,469
baseline
▲ 0.50% · 4.625%
HK$152,084
+HK$7,615/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$288,938/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,405
−HK$9,934/mo
▼ 0.25% · 3.875%
HK$163,333
−HK$5,006/mo
Today · 4.125%
HK$168,339
baseline
▲ 0.50% · 4.625%
HK$178,582
+HK$10,243/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$336,678/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,224
−HK$9,521/mo
▼ 0.25% · 3.875%
HK$180,951
−HK$4,794/mo
Today · 4.125%
HK$185,745
baseline
▲ 0.50% · 4.625%
HK$195,536
+HK$9,791/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$371,490/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,222 · Scale 2, in force from 26 Feb 2026)