LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,080
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,819
−HK$2,784/mo
Today · 4.125%
HK$93,603
baseline
▲ 0.50% · 4.625%
HK$99,299
+HK$5,696/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$187,206/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,988
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,616
−HK$2,666/mo
Today · 4.125%
HK$103,282
baseline
▲ 0.50% · 4.625%
HK$108,726
+HK$5,444/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$206,564/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,696
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,983
−HK$3,341/mo
Today · 4.125%
HK$112,324
baseline
▲ 0.50% · 4.625%
HK$119,158
+HK$6,834/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$224,648/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,585
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,739
−HK$3,199/mo
Today · 4.125%
HK$123,938
baseline
▲ 0.50% · 4.625%
HK$130,471
+HK$6,533/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$247,876/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,312
−HK$7,732/mo
▼ 0.25% · 3.875%
HK$127,147
−HK$3,897/mo
Today · 4.125%
HK$131,044
baseline
▲ 0.50% · 4.625%
HK$139,018
+HK$7,974/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,088/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,183
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$140,862
−HK$3,732/mo
Today · 4.125%
HK$144,594
baseline
▲ 0.50% · 4.625%
HK$152,216
+HK$7,622/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,188/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,543
−HK$9,943/mo
▼ 0.25% · 3.875%
HK$163,475
−HK$5,011/mo
Today · 4.125%
HK$168,486
baseline
▲ 0.50% · 4.625%
HK$178,737
+HK$10,251/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$336,972/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,378
−HK$9,529/mo
▼ 0.25% · 3.875%
HK$181,108
−HK$4,799/mo
Today · 4.125%
HK$185,907
baseline
▲ 0.50% · 4.625%
HK$195,707
+HK$9,800/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$371,814/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,652 · Scale 2, in force from 26 Feb 2026)