LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,692
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,389
−HK$2,740/mo
Today · 4.125%
HK$92,129
baseline
▲ 0.50% · 4.625%
HK$97,735
+HK$5,606/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,258/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,444
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,031
−HK$2,624/mo
Today · 4.125%
HK$101,655
baseline
▲ 0.50% · 4.625%
HK$107,013
+HK$5,358/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,310/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,031
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,267
−HK$3,288/mo
Today · 4.125%
HK$110,555
baseline
▲ 0.50% · 4.625%
HK$117,282
+HK$6,727/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$221,110/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,733
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,837
−HK$3,149/mo
Today · 4.125%
HK$121,986
baseline
▲ 0.50% · 4.625%
HK$128,416
+HK$6,430/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$243,972/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,369
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$125,145
−HK$3,835/mo
Today · 4.125%
HK$128,980
baseline
▲ 0.50% · 4.625%
HK$136,828
+HK$7,848/mo
Deposit HK$11.41M · loan HK$26.61M · min. income ≈ HK$257,960/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,022
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$138,643
−HK$3,674/mo
Today · 4.125%
HK$142,317
baseline
▲ 0.50% · 4.625%
HK$149,819
+HK$7,502/mo
Deposit HK$11.41M · loan HK$26.61M · min. income ≈ HK$284,634/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,046
−HK$9,786/mo
▼ 0.25% · 3.875%
HK$160,900
−HK$4,932/mo
Today · 4.125%
HK$165,832
baseline
▲ 0.50% · 4.625%
HK$175,922
+HK$10,090/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$331,664/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,600
−HK$9,379/mo
▼ 0.25% · 3.875%
HK$178,256
−HK$4,723/mo
Today · 4.125%
HK$182,979
baseline
▲ 0.50% · 4.625%
HK$192,624
+HK$9,645/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$365,958/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,796 · Scale 2, in force from 26 Feb 2026)