LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,266
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,950
−HK$2,726/mo
Today · 4.125%
HK$91,676
baseline
▲ 0.50% · 4.625%
HK$97,254
+HK$5,578/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$183,352/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,970
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,544
−HK$2,611/mo
Today · 4.125%
HK$101,155
baseline
▲ 0.50% · 4.625%
HK$106,487
+HK$5,332/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$202,310/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,520
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,740
−HK$3,271/mo
Today · 4.125%
HK$110,011
baseline
▲ 0.50% · 4.625%
HK$116,705
+HK$6,694/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$220,022/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,607,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,164
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,253
−HK$3,133/mo
Today · 4.125%
HK$121,386
baseline
▲ 0.50% · 4.625%
HK$127,785
+HK$6,399/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$242,772/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,607,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,773
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$124,530
−HK$3,816/mo
Today · 4.125%
HK$128,346
baseline
▲ 0.50% · 4.625%
HK$136,156
+HK$7,810/mo
Deposit HK$11.35M · loan HK$26.48M · min. income ≈ HK$256,692/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,607,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,359
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$137,962
−HK$3,656/mo
Today · 4.125%
HK$141,618
baseline
▲ 0.50% · 4.625%
HK$149,082
+HK$7,464/mo
Deposit HK$11.35M · loan HK$26.48M · min. income ≈ HK$283,236/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,607,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,279
−HK$9,738/mo
▼ 0.25% · 3.875%
HK$160,109
−HK$4,908/mo
Today · 4.125%
HK$165,017
baseline
▲ 0.50% · 4.625%
HK$175,058
+HK$10,041/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$330,034/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,747
−HK$9,333/mo
▼ 0.25% · 3.875%
HK$177,380
−HK$4,700/mo
Today · 4.125%
HK$182,080
baseline
▲ 0.50% · 4.625%
HK$191,677
+HK$9,597/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$364,160/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,854 · Scale 2, in force from 26 Feb 2026)