LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,094
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,834
−HK$2,784/mo
Today · 4.125%
HK$93,618
baseline
▲ 0.50% · 4.625%
HK$99,314
+HK$5,696/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$187,236/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,003
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,632
−HK$2,666/mo
Today · 4.125%
HK$103,298
baseline
▲ 0.50% · 4.625%
HK$108,743
+HK$5,445/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$206,596/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,712
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$109,000
−HK$3,341/mo
Today · 4.125%
HK$112,341
baseline
▲ 0.50% · 4.625%
HK$119,177
+HK$6,836/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$224,682/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,641,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,604
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,758
−HK$3,200/mo
Today · 4.125%
HK$123,958
baseline
▲ 0.50% · 4.625%
HK$130,492
+HK$6,534/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$247,916/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,641,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,331
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$127,167
−HK$3,898/mo
Today · 4.125%
HK$131,065
baseline
▲ 0.50% · 4.625%
HK$139,040
+HK$7,975/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,130/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,204
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$140,884
−HK$3,733/mo
Today · 4.125%
HK$144,617
baseline
▲ 0.50% · 4.625%
HK$152,240
+HK$7,623/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,234/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,568
−HK$9,944/mo
▼ 0.25% · 3.875%
HK$163,501
−HK$5,011/mo
Today · 4.125%
HK$168,512
baseline
▲ 0.50% · 4.625%
HK$178,766
+HK$10,254/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$337,024/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,641,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,406
−HK$9,530/mo
▼ 0.25% · 3.875%
HK$181,137
−HK$4,799/mo
Today · 4.125%
HK$185,936
baseline
▲ 0.50% · 4.625%
HK$195,737
+HK$9,801/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$371,872/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,641,910 · Scale 2, in force from 26 Feb 2026)