LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,026
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,764
−HK$2,782/mo
Today · 4.125%
HK$93,546
baseline
▲ 0.50% · 4.625%
HK$99,238
+HK$5,692/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$187,092/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,928
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,554
−HK$2,664/mo
Today · 4.125%
HK$103,218
baseline
▲ 0.50% · 4.625%
HK$108,659
+HK$5,441/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$206,436/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,631
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,916
−HK$3,339/mo
Today · 4.125%
HK$112,255
baseline
▲ 0.50% · 4.625%
HK$119,085
+HK$6,830/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$224,510/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,513
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,665
−HK$3,197/mo
Today · 4.125%
HK$123,862
baseline
▲ 0.50% · 4.625%
HK$130,391
+HK$6,529/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$247,724/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,236
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,069
−HK$3,895/mo
Today · 4.125%
HK$130,964
baseline
▲ 0.50% · 4.625%
HK$138,933
+HK$7,969/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$261,928/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,099
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$140,775
−HK$3,731/mo
Today · 4.125%
HK$144,506
baseline
▲ 0.50% · 4.625%
HK$152,123
+HK$7,617/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$289,012/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,446
−HK$9,936/mo
▼ 0.25% · 3.875%
HK$163,375
−HK$5,007/mo
Today · 4.125%
HK$168,382
baseline
▲ 0.50% · 4.625%
HK$178,628
+HK$10,246/mo
Deposit HK$3.86M · loan HK$34.74M · min. income ≈ HK$336,764/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,270
−HK$9,523/mo
▼ 0.25% · 3.875%
HK$180,997
−HK$4,796/mo
Today · 4.125%
HK$185,793
baseline
▲ 0.50% · 4.625%
HK$195,586
+HK$9,793/mo
Deposit HK$3.86M · loan HK$34.74M · min. income ≈ HK$371,586/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,643 · Scale 2, in force from 26 Feb 2026)