LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,571
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,264
−HK$2,736/mo
Today · 4.125%
HK$92,000
baseline
▲ 0.50% · 4.625%
HK$97,598
+HK$5,598/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$184,000/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,310
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,893
−HK$2,620/mo
Today · 4.125%
HK$101,513
baseline
▲ 0.50% · 4.625%
HK$106,864
+HK$5,351/mo
Deposit HK$18.98M · loan HK$18.98M · min. income ≈ HK$203,026/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,886
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$107,117
−HK$3,283/mo
Today · 4.125%
HK$110,400
baseline
▲ 0.50% · 4.625%
HK$117,118
+HK$6,718/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$220,800/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,572
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$118,671
−HK$3,145/mo
Today · 4.125%
HK$121,816
baseline
▲ 0.50% · 4.625%
HK$128,237
+HK$6,421/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$243,632/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,200
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$124,970
−HK$3,830/mo
Today · 4.125%
HK$128,800
baseline
▲ 0.50% · 4.625%
HK$136,638
+HK$7,838/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$257,600/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,834
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$138,450
−HK$3,669/mo
Today · 4.125%
HK$142,119
baseline
▲ 0.50% · 4.625%
HK$149,610
+HK$7,491/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$284,238/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,613,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,829
−HK$9,772/mo
▼ 0.25% · 3.875%
HK$160,676
−HK$4,925/mo
Today · 4.125%
HK$165,601
baseline
▲ 0.50% · 4.625%
HK$175,677
+HK$10,076/mo
Deposit HK$3.80M · loan HK$34.17M · min. income ≈ HK$331,202/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,358
−HK$9,366/mo
▼ 0.25% · 3.875%
HK$178,007
−HK$4,717/mo
Today · 4.125%
HK$182,724
baseline
▲ 0.50% · 4.625%
HK$192,355
+HK$9,631/mo
Deposit HK$3.80M · loan HK$34.17M · min. income ≈ HK$365,448/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,542 · Scale 2, in force from 26 Feb 2026)