LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,192
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$88,873
−HK$2,724/mo
Today · 4.125%
HK$91,597
baseline
▲ 0.50% · 4.625%
HK$97,170
+HK$5,573/mo
Deposit HK$18.90M · loan HK$18.90M · min. income ≈ HK$183,194/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,606,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,888
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$98,459
−HK$2,609/mo
Today · 4.125%
HK$101,068
baseline
▲ 0.50% · 4.625%
HK$106,396
+HK$5,328/mo
Deposit HK$18.90M · loan HK$18.90M · min. income ≈ HK$202,136/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,606,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,430
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,648
−HK$3,268/mo
Today · 4.125%
HK$109,916
baseline
▲ 0.50% · 4.625%
HK$116,604
+HK$6,688/mo
Deposit HK$15.12M · loan HK$22.68M · min. income ≈ HK$219,832/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,606,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,065
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,151
−HK$3,131/mo
Today · 4.125%
HK$121,282
baseline
▲ 0.50% · 4.625%
HK$127,675
+HK$6,393/mo
Deposit HK$15.12M · loan HK$22.68M · min. income ≈ HK$242,564/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,606,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,669
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$124,422
−HK$3,814/mo
Today · 4.125%
HK$128,236
baseline
▲ 0.50% · 4.625%
HK$136,039
+HK$7,803/mo
Deposit HK$11.34M · loan HK$26.46M · min. income ≈ HK$256,472/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,606,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,243
−HK$7,252/mo
▼ 0.25% · 3.875%
HK$137,843
−HK$3,652/mo
Today · 4.125%
HK$141,495
baseline
▲ 0.50% · 4.625%
HK$148,954
+HK$7,459/mo
Deposit HK$11.34M · loan HK$26.46M · min. income ≈ HK$282,990/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,606,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,145
−HK$9,729/mo
▼ 0.25% · 3.875%
HK$159,971
−HK$4,903/mo
Today · 4.125%
HK$164,874
baseline
▲ 0.50% · 4.625%
HK$174,907
+HK$10,033/mo
Deposit HK$3.78M · loan HK$34.02M · min. income ≈ HK$329,748/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,606,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,598
−HK$9,325/mo
▼ 0.25% · 3.875%
HK$177,227
−HK$4,696/mo
Today · 4.125%
HK$181,923
baseline
▲ 0.50% · 4.625%
HK$191,512
+HK$9,589/mo
Deposit HK$3.78M · loan HK$34.02M · min. income ≈ HK$363,846/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,606,467 · Scale 2, in force from 26 Feb 2026)