LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,423
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,111
−HK$2,731/mo
Today · 4.125%
HK$91,842
baseline
▲ 0.50% · 4.625%
HK$97,431
+HK$5,589/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$183,684/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,144
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,723
−HK$2,616/mo
Today · 4.125%
HK$101,339
baseline
▲ 0.50% · 4.625%
HK$106,681
+HK$5,342/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$202,678/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,707
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$106,933
−HK$3,278/mo
Today · 4.125%
HK$110,211
baseline
▲ 0.50% · 4.625%
HK$116,917
+HK$6,706/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$220,422/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,373
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$118,468
−HK$3,139/mo
Today · 4.125%
HK$121,607
baseline
▲ 0.50% · 4.625%
HK$128,017
+HK$6,410/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$243,214/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,992
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$124,755
−HK$3,824/mo
Today · 4.125%
HK$128,579
baseline
▲ 0.50% · 4.625%
HK$136,403
+HK$7,824/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$257,158/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,602
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$138,212
−HK$3,662/mo
Today · 4.125%
HK$141,874
baseline
▲ 0.50% · 4.625%
HK$149,353
+HK$7,479/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$283,748/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,561
−HK$9,755/mo
▼ 0.25% · 3.875%
HK$160,400
−HK$4,916/mo
Today · 4.125%
HK$165,316
baseline
▲ 0.50% · 4.625%
HK$175,375
+HK$10,059/mo
Deposit HK$3.79M · loan HK$34.11M · min. income ≈ HK$330,632/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,060
−HK$9,350/mo
▼ 0.25% · 3.875%
HK$177,701
−HK$4,709/mo
Today · 4.125%
HK$182,410
baseline
▲ 0.50% · 4.625%
HK$192,025
+HK$9,615/mo
Deposit HK$3.79M · loan HK$34.11M · min. income ≈ HK$364,820/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,770 · Scale 2, in force from 26 Feb 2026)