LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,686
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,382
−HK$2,740/mo
Today · 4.125%
HK$92,122
baseline
▲ 0.50% · 4.625%
HK$97,727
+HK$5,605/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,244/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,437
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,023
−HK$2,624/mo
Today · 4.125%
HK$101,647
baseline
▲ 0.50% · 4.625%
HK$107,005
+HK$5,358/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,294/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,615,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,023
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,259
−HK$3,287/mo
Today · 4.125%
HK$110,546
baseline
▲ 0.50% · 4.625%
HK$117,272
+HK$6,726/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$221,092/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,724
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,828
−HK$3,149/mo
Today · 4.125%
HK$121,977
baseline
▲ 0.50% · 4.625%
HK$128,406
+HK$6,429/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$243,954/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,360
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$125,135
−HK$3,835/mo
Today · 4.125%
HK$128,970
baseline
▲ 0.50% · 4.625%
HK$136,818
+HK$7,848/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$257,940/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,012
−HK$7,294/mo
▼ 0.25% · 3.875%
HK$138,633
−HK$3,673/mo
Today · 4.125%
HK$142,306
baseline
▲ 0.50% · 4.625%
HK$149,807
+HK$7,501/mo
Deposit HK$11.40M · loan HK$26.61M · min. income ≈ HK$284,612/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,034
−HK$9,785/mo
▼ 0.25% · 3.875%
HK$160,888
−HK$4,931/mo
Today · 4.125%
HK$165,819
baseline
▲ 0.50% · 4.625%
HK$175,909
+HK$10,090/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$331,638/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,586
−HK$9,379/mo
▼ 0.25% · 3.875%
HK$178,242
−HK$4,723/mo
Today · 4.125%
HK$182,965
baseline
▲ 0.50% · 4.625%
HK$192,609
+HK$9,644/mo
Deposit HK$3.80M · loan HK$34.21M · min. income ≈ HK$365,930/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,670 · Scale 2, in force from 26 Feb 2026)