LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,084
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,824
−HK$2,784/mo
Today · 4.125%
HK$93,608
baseline
▲ 0.50% · 4.625%
HK$99,304
+HK$5,696/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$187,216/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,993
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,621
−HK$2,666/mo
Today · 4.125%
HK$103,287
baseline
▲ 0.50% · 4.625%
HK$108,732
+HK$5,445/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$206,574/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,701
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$108,989
−HK$3,341/mo
Today · 4.125%
HK$112,330
baseline
▲ 0.50% · 4.625%
HK$119,165
+HK$6,835/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$224,660/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,592
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,745
−HK$3,200/mo
Today · 4.125%
HK$123,945
baseline
▲ 0.50% · 4.625%
HK$130,478
+HK$6,533/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$247,890/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,318
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$127,154
−HK$3,897/mo
Today · 4.125%
HK$131,051
baseline
▲ 0.50% · 4.625%
HK$139,025
+HK$7,974/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,102/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,190
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$140,870
−HK$3,732/mo
Today · 4.125%
HK$144,602
baseline
▲ 0.50% · 4.625%
HK$152,224
+HK$7,622/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,204/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,552
−HK$9,942/mo
▼ 0.25% · 3.875%
HK$163,484
−HK$5,010/mo
Today · 4.125%
HK$168,494
baseline
▲ 0.50% · 4.625%
HK$178,747
+HK$10,253/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$336,988/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,387
−HK$9,530/mo
▼ 0.25% · 3.875%
HK$181,118
−HK$4,799/mo
Today · 4.125%
HK$185,917
baseline
▲ 0.50% · 4.625%
HK$195,717
+HK$9,800/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$371,834/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,740 · Scale 2, in force from 26 Feb 2026)