LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,072
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,811
−HK$2,784/mo
Today · 4.125%
HK$93,595
baseline
▲ 0.50% · 4.625%
HK$99,290
+HK$5,695/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$187,190/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,979
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,607
−HK$2,665/mo
Today · 4.125%
HK$103,272
baseline
▲ 0.50% · 4.625%
HK$108,716
+HK$5,444/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$206,544/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,686
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,974
−HK$3,340/mo
Today · 4.125%
HK$112,314
baseline
▲ 0.50% · 4.625%
HK$119,148
+HK$6,834/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$224,628/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,575
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,728
−HK$3,199/mo
Today · 4.125%
HK$123,927
baseline
▲ 0.50% · 4.625%
HK$130,459
+HK$6,532/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$247,854/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,301
−HK$7,732/mo
▼ 0.25% · 3.875%
HK$127,136
−HK$3,897/mo
Today · 4.125%
HK$131,033
baseline
▲ 0.50% · 4.625%
HK$139,006
+HK$7,973/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,066/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,171
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$140,849
−HK$3,732/mo
Today · 4.125%
HK$144,581
baseline
▲ 0.50% · 4.625%
HK$152,203
+HK$7,622/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,162/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,529
−HK$9,941/mo
▼ 0.25% · 3.875%
HK$163,460
−HK$5,010/mo
Today · 4.125%
HK$168,470
baseline
▲ 0.50% · 4.625%
HK$178,721
+HK$10,251/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$336,940/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,362
−HK$9,528/mo
▼ 0.25% · 3.875%
HK$181,092
−HK$4,798/mo
Today · 4.125%
HK$185,890
baseline
▲ 0.50% · 4.625%
HK$195,689
+HK$9,799/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$371,780/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,505 · Scale 2, in force from 26 Feb 2026)