LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,410
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,097
−HK$2,731/mo
Today · 4.125%
HK$91,828
baseline
▲ 0.50% · 4.625%
HK$97,416
+HK$5,588/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$183,656/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,130
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,708
−HK$2,615/mo
Today · 4.125%
HK$101,323
baseline
▲ 0.50% · 4.625%
HK$106,664
+HK$5,341/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$202,646/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,692
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$106,917
−HK$3,277/mo
Today · 4.125%
HK$110,194
baseline
▲ 0.50% · 4.625%
HK$116,899
+HK$6,705/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$220,388/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,356
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$118,450
−HK$3,138/mo
Today · 4.125%
HK$121,588
baseline
▲ 0.50% · 4.625%
HK$127,997
+HK$6,409/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$243,176/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,973
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$124,736
−HK$3,824/mo
Today · 4.125%
HK$128,560
baseline
▲ 0.50% · 4.625%
HK$136,382
+HK$7,822/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$257,120/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,582
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$138,191
−HK$3,662/mo
Today · 4.125%
HK$141,853
baseline
▲ 0.50% · 4.625%
HK$149,330
+HK$7,477/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$283,706/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,537
−HK$9,754/mo
▼ 0.25% · 3.875%
HK$160,375
−HK$4,916/mo
Today · 4.125%
HK$165,291
baseline
▲ 0.50% · 4.625%
HK$175,348
+HK$10,057/mo
Deposit HK$3.79M · loan HK$34.11M · min. income ≈ HK$330,582/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,034
−HK$9,348/mo
▼ 0.25% · 3.875%
HK$177,674
−HK$4,708/mo
Today · 4.125%
HK$182,382
baseline
▲ 0.50% · 4.625%
HK$191,996
+HK$9,614/mo
Deposit HK$3.79M · loan HK$34.11M · min. income ≈ HK$364,764/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,524 · Scale 2, in force from 26 Feb 2026)