LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,083
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,823
−HK$2,784/mo
Today · 4.125%
HK$93,607
baseline
▲ 0.50% · 4.625%
HK$99,302
+HK$5,695/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$187,214/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,992
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,620
−HK$2,666/mo
Today · 4.125%
HK$103,286
baseline
▲ 0.50% · 4.625%
HK$108,730
+HK$5,444/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$206,572/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,700
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,988
−HK$3,340/mo
Today · 4.125%
HK$112,328
baseline
▲ 0.50% · 4.625%
HK$119,163
+HK$6,835/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$224,656/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,590
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,744
−HK$3,199/mo
Today · 4.125%
HK$123,943
baseline
▲ 0.50% · 4.625%
HK$130,476
+HK$6,533/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$247,886/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,316
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$127,152
−HK$3,897/mo
Today · 4.125%
HK$131,049
baseline
▲ 0.50% · 4.625%
HK$139,023
+HK$7,974/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,098/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,188
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$140,867
−HK$3,733/mo
Today · 4.125%
HK$144,600
baseline
▲ 0.50% · 4.625%
HK$152,222
+HK$7,622/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,200/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,549
−HK$9,943/mo
▼ 0.25% · 3.875%
HK$163,481
−HK$5,011/mo
Today · 4.125%
HK$168,492
baseline
▲ 0.50% · 4.625%
HK$178,744
+HK$10,252/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$336,984/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,385
−HK$9,529/mo
▼ 0.25% · 3.875%
HK$181,115
−HK$4,799/mo
Today · 4.125%
HK$185,914
baseline
▲ 0.50% · 4.625%
HK$195,714
+HK$9,800/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$371,828/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,715 · Scale 2, in force from 26 Feb 2026)