LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,102
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,843
−HK$2,784/mo
Today · 4.125%
HK$93,627
baseline
▲ 0.50% · 4.625%
HK$99,324
+HK$5,697/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$187,254/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,642,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,013
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,641
−HK$2,667/mo
Today · 4.125%
HK$103,308
baseline
▲ 0.50% · 4.625%
HK$108,754
+HK$5,446/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$206,616/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,642,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,723
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$109,011
−HK$3,341/mo
Today · 4.125%
HK$112,352
baseline
▲ 0.50% · 4.625%
HK$119,189
+HK$6,837/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$224,704/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,615
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$120,770
−HK$3,200/mo
Today · 4.125%
HK$123,970
baseline
▲ 0.50% · 4.625%
HK$130,504
+HK$6,534/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$247,940/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,343
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$127,180
−HK$3,898/mo
Today · 4.125%
HK$131,078
baseline
▲ 0.50% · 4.625%
HK$139,054
+HK$7,976/mo
Deposit HK$11.59M · loan HK$27.05M · min. income ≈ HK$262,156/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,642,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,218
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$140,898
−HK$3,733/mo
Today · 4.125%
HK$144,631
baseline
▲ 0.50% · 4.625%
HK$152,255
+HK$7,624/mo
Deposit HK$11.59M · loan HK$27.05M · min. income ≈ HK$289,262/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,642,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,584
−HK$9,945/mo
▼ 0.25% · 3.875%
HK$163,517
−HK$5,012/mo
Today · 4.125%
HK$168,529
baseline
▲ 0.50% · 4.625%
HK$178,783
+HK$10,254/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$337,058/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,423
−HK$9,532/mo
▼ 0.25% · 3.875%
HK$181,155
−HK$4,800/mo
Today · 4.125%
HK$185,955
baseline
▲ 0.50% · 4.625%
HK$195,757
+HK$9,802/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$371,910/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,072 · Scale 2, in force from 26 Feb 2026)