LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,417
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,105
−HK$2,731/mo
Today · 4.125%
HK$91,836
baseline
▲ 0.50% · 4.625%
HK$97,424
+HK$5,588/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$183,672/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,138
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,716
−HK$2,616/mo
Today · 4.125%
HK$101,332
baseline
▲ 0.50% · 4.625%
HK$106,673
+HK$5,341/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$202,664/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,700
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,926
−HK$3,277/mo
Today · 4.125%
HK$110,203
baseline
▲ 0.50% · 4.625%
HK$116,908
+HK$6,705/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$220,406/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,365
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,459
−HK$3,139/mo
Today · 4.125%
HK$121,598
baseline
▲ 0.50% · 4.625%
HK$128,008
+HK$6,410/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$243,196/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,983
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$124,747
−HK$3,823/mo
Today · 4.125%
HK$128,570
baseline
▲ 0.50% · 4.625%
HK$136,393
+HK$7,823/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$257,140/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,593
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$138,202
−HK$3,662/mo
Today · 4.125%
HK$141,864
baseline
▲ 0.50% · 4.625%
HK$149,342
+HK$7,478/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$283,728/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,550
−HK$9,754/mo
▼ 0.25% · 3.875%
HK$160,388
−HK$4,916/mo
Today · 4.125%
HK$165,304
baseline
▲ 0.50% · 4.625%
HK$175,363
+HK$10,059/mo
Deposit HK$3.79M · loan HK$34.11M · min. income ≈ HK$330,608/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,048
−HK$9,349/mo
▼ 0.25% · 3.875%
HK$177,689
−HK$4,708/mo
Today · 4.125%
HK$182,397
baseline
▲ 0.50% · 4.625%
HK$192,011
+HK$9,614/mo
Deposit HK$3.79M · loan HK$34.11M · min. income ≈ HK$364,794/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,656 · Scale 2, in force from 26 Feb 2026)