LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,374
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,061
−HK$2,730/mo
Today · 4.125%
HK$91,791
baseline
▲ 0.50% · 4.625%
HK$97,376
+HK$5,585/mo
Deposit HK$18.94M · loan HK$18.94M · min. income ≈ HK$183,582/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,609,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,090
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,668
−HK$2,614/mo
Today · 4.125%
HK$101,282
baseline
▲ 0.50% · 4.625%
HK$106,621
+HK$5,339/mo
Deposit HK$18.94M · loan HK$18.94M · min. income ≈ HK$202,564/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,609,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,649
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,873
−HK$3,276/mo
Today · 4.125%
HK$110,149
baseline
▲ 0.50% · 4.625%
HK$116,851
+HK$6,702/mo
Deposit HK$15.15M · loan HK$22.73M · min. income ≈ HK$220,298/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,609,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,309
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,401
−HK$3,137/mo
Today · 4.125%
HK$121,538
baseline
▲ 0.50% · 4.625%
HK$127,945
+HK$6,407/mo
Deposit HK$15.15M · loan HK$22.73M · min. income ≈ HK$243,076/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,609,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,924
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$124,685
−HK$3,822/mo
Today · 4.125%
HK$128,507
baseline
▲ 0.50% · 4.625%
HK$136,326
+HK$7,819/mo
Deposit HK$11.36M · loan HK$26.52M · min. income ≈ HK$257,014/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,609,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,527
−HK$7,268/mo
▼ 0.25% · 3.875%
HK$138,135
−HK$3,660/mo
Today · 4.125%
HK$141,795
baseline
▲ 0.50% · 4.625%
HK$149,269
+HK$7,474/mo
Deposit HK$11.36M · loan HK$26.52M · min. income ≈ HK$283,590/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,609,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,474
−HK$9,749/mo
▼ 0.25% · 3.875%
HK$160,310
−HK$4,913/mo
Today · 4.125%
HK$165,223
baseline
▲ 0.50% · 4.625%
HK$175,277
+HK$10,054/mo
Deposit HK$3.79M · loan HK$34.09M · min. income ≈ HK$330,446/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,609,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,963
−HK$9,345/mo
▼ 0.25% · 3.875%
HK$177,602
−HK$4,706/mo
Today · 4.125%
HK$182,308
baseline
▲ 0.50% · 4.625%
HK$191,917
+HK$9,609/mo
Deposit HK$3.79M · loan HK$34.09M · min. income ≈ HK$364,616/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,609,866 · Scale 2, in force from 26 Feb 2026)