LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,091
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,831
−HK$2,784/mo
Today · 4.125%
HK$93,615
baseline
▲ 0.50% · 4.625%
HK$99,312
+HK$5,697/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$187,230/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,001
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,629
−HK$2,666/mo
Today · 4.125%
HK$103,295
baseline
▲ 0.50% · 4.625%
HK$108,740
+HK$5,445/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$206,590/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,709
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$108,998
−HK$3,340/mo
Today · 4.125%
HK$112,338
baseline
▲ 0.50% · 4.625%
HK$119,174
+HK$6,836/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$224,676/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,601
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,755
−HK$3,199/mo
Today · 4.125%
HK$123,954
baseline
▲ 0.50% · 4.625%
HK$130,488
+HK$6,534/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$247,908/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,328
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$127,164
−HK$3,897/mo
Today · 4.125%
HK$131,061
baseline
▲ 0.50% · 4.625%
HK$139,036
+HK$7,975/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,122/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,201
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$140,881
−HK$3,732/mo
Today · 4.125%
HK$144,613
baseline
▲ 0.50% · 4.625%
HK$152,236
+HK$7,623/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,226/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,564
−HK$9,944/mo
▼ 0.25% · 3.875%
HK$163,496
−HK$5,012/mo
Today · 4.125%
HK$168,508
baseline
▲ 0.50% · 4.625%
HK$178,761
+HK$10,253/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$337,016/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,641,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,401
−HK$9,531/mo
▼ 0.25% · 3.875%
HK$181,132
−HK$4,800/mo
Today · 4.125%
HK$185,932
baseline
▲ 0.50% · 4.625%
HK$195,732
+HK$9,800/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$371,864/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,641,867 · Scale 2, in force from 26 Feb 2026)