LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,080
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,820
−HK$2,784/mo
Today · 4.125%
HK$93,604
baseline
▲ 0.50% · 4.625%
HK$99,299
+HK$5,695/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$187,208/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,664 · 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$108,727
+HK$5,445/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$1,641,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,696
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,984
−HK$3,340/mo
Today · 4.125%
HK$112,324
baseline
▲ 0.50% · 4.625%
HK$119,159
+HK$6,835/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$1,641,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,586
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,740
−HK$3,199/mo
Today · 4.125%
HK$123,939
baseline
▲ 0.50% · 4.625%
HK$130,472
+HK$6,533/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$247,878/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,312
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$127,148
−HK$3,897/mo
Today · 4.125%
HK$131,045
baseline
▲ 0.50% · 4.625%
HK$139,019
+HK$7,974/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,090/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,184
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$140,863
−HK$3,732/mo
Today · 4.125%
HK$144,595
baseline
▲ 0.50% · 4.625%
HK$152,217
+HK$7,622/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,190/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,545
−HK$9,942/mo
▼ 0.25% · 3.875%
HK$163,476
−HK$5,011/mo
Today · 4.125%
HK$168,487
baseline
▲ 0.50% · 4.625%
HK$178,739
+HK$10,252/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$336,974/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,379
−HK$9,529/mo
▼ 0.25% · 3.875%
HK$181,110
−HK$4,798/mo
Today · 4.125%
HK$185,908
baseline
▲ 0.50% · 4.625%
HK$195,708
+HK$9,800/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$371,816/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,664 · Scale 2, in force from 26 Feb 2026)