LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,127
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,868
−HK$2,785/mo
Today · 4.125%
HK$93,653
baseline
▲ 0.50% · 4.625%
HK$99,352
+HK$5,699/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$187,306/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$1,642,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,040
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,670
−HK$2,667/mo
Today · 4.125%
HK$103,337
baseline
▲ 0.50% · 4.625%
HK$108,784
+HK$5,447/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$206,674/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$1,642,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,753
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$109,042
−HK$3,342/mo
Today · 4.125%
HK$112,384
baseline
▲ 0.50% · 4.625%
HK$119,222
+HK$6,838/mo
Deposit HK$15.46M · loan HK$23.19M · min. income ≈ HK$224,768/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,649
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$120,804
−HK$3,201/mo
Today · 4.125%
HK$124,005
baseline
▲ 0.50% · 4.625%
HK$130,541
+HK$6,536/mo
Deposit HK$15.46M · loan HK$23.19M · min. income ≈ HK$248,010/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,378
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$127,216
−HK$3,899/mo
Today · 4.125%
HK$131,115
baseline
▲ 0.50% · 4.625%
HK$139,093
+HK$7,978/mo
Deposit HK$11.59M · loan HK$27.05M · min. income ≈ HK$262,230/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,642,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,257
−HK$7,415/mo
▼ 0.25% · 3.875%
HK$140,938
−HK$3,734/mo
Today · 4.125%
HK$144,672
baseline
▲ 0.50% · 4.625%
HK$152,298
+HK$7,626/mo
Deposit HK$11.59M · loan HK$27.05M · min. income ≈ HK$289,344/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,642,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,629
−HK$9,947/mo
▼ 0.25% · 3.875%
HK$163,563
−HK$5,013/mo
Today · 4.125%
HK$168,576
baseline
▲ 0.50% · 4.625%
HK$178,834
+HK$10,258/mo
Deposit HK$3.86M · loan HK$34.78M · min. income ≈ HK$337,152/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,473
−HK$9,534/mo
▼ 0.25% · 3.875%
HK$181,206
−HK$4,801/mo
Today · 4.125%
HK$186,007
baseline
▲ 0.50% · 4.625%
HK$195,812
+HK$9,805/mo
Deposit HK$3.86M · loan HK$34.78M · min. income ≈ HK$372,014/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,535 · Scale 2, in force from 26 Feb 2026)