LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,088
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,828
−HK$2,784/mo
Today · 4.125%
HK$93,612
baseline
▲ 0.50% · 4.625%
HK$99,308
+HK$5,696/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$187,224/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,997
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,625
−HK$2,667/mo
Today · 4.125%
HK$103,292
baseline
▲ 0.50% · 4.625%
HK$108,736
+HK$5,444/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$206,584/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,706
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,994
−HK$3,340/mo
Today · 4.125%
HK$112,334
baseline
▲ 0.50% · 4.625%
HK$119,170
+HK$6,836/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$224,668/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,597
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,750
−HK$3,200/mo
Today · 4.125%
HK$123,950
baseline
▲ 0.50% · 4.625%
HK$130,484
+HK$6,534/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$247,900/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,323
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$127,159
−HK$3,898/mo
Today · 4.125%
HK$131,057
baseline
▲ 0.50% · 4.625%
HK$139,031
+HK$7,974/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,114/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,196
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$140,876
−HK$3,732/mo
Today · 4.125%
HK$144,608
baseline
▲ 0.50% · 4.625%
HK$152,231
+HK$7,623/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,216/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,559
−HK$9,943/mo
▼ 0.25% · 3.875%
HK$163,491
−HK$5,011/mo
Today · 4.125%
HK$168,502
baseline
▲ 0.50% · 4.625%
HK$178,755
+HK$10,253/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$337,004/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,395
−HK$9,530/mo
▼ 0.25% · 3.875%
HK$181,126
−HK$4,799/mo
Today · 4.125%
HK$185,925
baseline
▲ 0.50% · 4.625%
HK$195,725
+HK$9,800/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$371,850/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,810 · Scale 2, in force from 26 Feb 2026)