LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,587
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,280
−HK$2,737/mo
Today · 4.125%
HK$92,017
baseline
▲ 0.50% · 4.625%
HK$97,616
+HK$5,599/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$184,034/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,327
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,911
−HK$2,621/mo
Today · 4.125%
HK$101,532
baseline
▲ 0.50% · 4.625%
HK$106,883
+HK$5,351/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$203,064/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,613,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,904
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,136
−HK$3,284/mo
Today · 4.125%
HK$110,420
baseline
▲ 0.50% · 4.625%
HK$117,139
+HK$6,719/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$220,840/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,593
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$118,693
−HK$3,145/mo
Today · 4.125%
HK$121,838
baseline
▲ 0.50% · 4.625%
HK$128,260
+HK$6,422/mo
Deposit HK$15.19M · loan HK$22.78M · min. income ≈ HK$243,676/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,613,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,222
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$124,993
−HK$3,831/mo
Today · 4.125%
HK$128,824
baseline
▲ 0.50% · 4.625%
HK$136,662
+HK$7,838/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$257,648/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,613,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,858
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$138,475
−HK$3,669/mo
Today · 4.125%
HK$142,144
baseline
▲ 0.50% · 4.625%
HK$149,637
+HK$7,493/mo
Deposit HK$11.39M · loan HK$26.58M · min. income ≈ HK$284,288/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,613,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,857
−HK$9,773/mo
▼ 0.25% · 3.875%
HK$160,705
−HK$4,925/mo
Today · 4.125%
HK$165,630
baseline
▲ 0.50% · 4.625%
HK$175,709
+HK$10,079/mo
Deposit HK$3.80M · loan HK$34.18M · min. income ≈ HK$331,260/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,389
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$178,039
−HK$4,718/mo
Today · 4.125%
HK$182,757
baseline
▲ 0.50% · 4.625%
HK$192,390
+HK$9,633/mo
Deposit HK$3.80M · loan HK$34.18M · min. income ≈ HK$365,514/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,613,832 · Scale 2, in force from 26 Feb 2026)