LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,679
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,375
−HK$2,739/mo
Today · 4.125%
HK$92,114
baseline
▲ 0.50% · 4.625%
HK$97,719
+HK$5,605/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,228/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,429
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,015
−HK$2,624/mo
Today · 4.125%
HK$101,639
baseline
▲ 0.50% · 4.625%
HK$106,996
+HK$5,357/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,278/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,014
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,250
−HK$3,287/mo
Today · 4.125%
HK$110,537
baseline
▲ 0.50% · 4.625%
HK$117,263
+HK$6,726/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$221,074/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,715
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,818
−HK$3,149/mo
Today · 4.125%
HK$121,967
baseline
▲ 0.50% · 4.625%
HK$128,396
+HK$6,429/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$243,934/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,350
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$125,125
−HK$3,835/mo
Today · 4.125%
HK$128,960
baseline
▲ 0.50% · 4.625%
HK$136,807
+HK$7,847/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$257,920/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,001
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$138,621
−HK$3,673/mo
Today · 4.125%
HK$142,294
baseline
▲ 0.50% · 4.625%
HK$149,795
+HK$7,501/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$284,588/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,022
−HK$9,784/mo
▼ 0.25% · 3.875%
HK$160,875
−HK$4,931/mo
Today · 4.125%
HK$165,806
baseline
▲ 0.50% · 4.625%
HK$175,894
+HK$10,088/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$331,612/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,572
−HK$9,378/mo
▼ 0.25% · 3.875%
HK$178,228
−HK$4,722/mo
Today · 4.125%
HK$182,950
baseline
▲ 0.50% · 4.625%
HK$192,594
+HK$9,644/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$365,900/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,540 · Scale 2, in force from 26 Feb 2026)