LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,325
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,010
−HK$2,728/mo
Today · 4.125%
HK$91,738
baseline
▲ 0.50% · 4.625%
HK$97,320
+HK$5,582/mo
Deposit HK$18.93M · loan HK$18.93M · min. income ≈ HK$183,476/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,608,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,035
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,611
−HK$2,613/mo
Today · 4.125%
HK$101,224
baseline
▲ 0.50% · 4.625%
HK$106,559
+HK$5,335/mo
Deposit HK$18.93M · loan HK$18.93M · min. income ≈ HK$202,448/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,608,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,590
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,812
−HK$3,274/mo
Today · 4.125%
HK$110,086
baseline
▲ 0.50% · 4.625%
HK$116,784
+HK$6,698/mo
Deposit HK$15.14M · loan HK$22.71M · min. income ≈ HK$220,172/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,608,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,242
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,333
−HK$3,135/mo
Today · 4.125%
HK$121,468
baseline
▲ 0.50% · 4.625%
HK$127,871
+HK$6,403/mo
Deposit HK$15.14M · loan HK$22.71M · min. income ≈ HK$242,936/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,608,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,854
−HK$7,579/mo
▼ 0.25% · 3.875%
HK$124,614
−HK$3,819/mo
Today · 4.125%
HK$128,433
baseline
▲ 0.50% · 4.625%
HK$136,248
+HK$7,815/mo
Deposit HK$11.36M · loan HK$26.50M · min. income ≈ HK$256,866/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,608,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,449
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$138,055
−HK$3,658/mo
Today · 4.125%
HK$141,713
baseline
▲ 0.50% · 4.625%
HK$149,183
+HK$7,470/mo
Deposit HK$11.36M · loan HK$26.50M · min. income ≈ HK$283,426/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,608,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,384
−HK$9,744/mo
▼ 0.25% · 3.875%
HK$160,218
−HK$4,910/mo
Today · 4.125%
HK$165,128
baseline
▲ 0.50% · 4.625%
HK$175,176
+HK$10,048/mo
Deposit HK$3.79M · loan HK$34.07M · min. income ≈ HK$330,256/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,863
−HK$9,340/mo
▼ 0.25% · 3.875%
HK$177,500
−HK$4,703/mo
Today · 4.125%
HK$182,203
baseline
▲ 0.50% · 4.625%
HK$191,807
+HK$9,604/mo
Deposit HK$3.79M · loan HK$34.07M · min. income ≈ HK$364,406/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,940 · Scale 2, in force from 26 Feb 2026)