LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,070
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,809
−HK$2,784/mo
Today · 4.125%
HK$93,593
baseline
▲ 0.50% · 4.625%
HK$99,287
+HK$5,694/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$187,186/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,977
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,604
−HK$2,666/mo
Today · 4.125%
HK$103,270
baseline
▲ 0.50% · 4.625%
HK$108,714
+HK$5,444/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$206,540/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,684
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$108,971
−HK$3,340/mo
Today · 4.125%
HK$112,311
baseline
▲ 0.50% · 4.625%
HK$119,145
+HK$6,834/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$224,622/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,572
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,725
−HK$3,199/mo
Today · 4.125%
HK$123,924
baseline
▲ 0.50% · 4.625%
HK$130,456
+HK$6,532/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$247,848/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,298
−HK$7,732/mo
▼ 0.25% · 3.875%
HK$127,133
−HK$3,897/mo
Today · 4.125%
HK$131,030
baseline
▲ 0.50% · 4.625%
HK$139,002
+HK$7,972/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,060/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,168
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$140,846
−HK$3,732/mo
Today · 4.125%
HK$144,578
baseline
▲ 0.50% · 4.625%
HK$152,199
+HK$7,621/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,156/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,526
−HK$9,941/mo
▼ 0.25% · 3.875%
HK$163,457
−HK$5,010/mo
Today · 4.125%
HK$168,467
baseline
▲ 0.50% · 4.625%
HK$178,717
+HK$10,250/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$336,934/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,358
−HK$9,528/mo
▼ 0.25% · 3.875%
HK$181,088
−HK$4,798/mo
Today · 4.125%
HK$185,886
baseline
▲ 0.50% · 4.625%
HK$195,685
+HK$9,799/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$371,772/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,468 · Scale 2, in force from 26 Feb 2026)