LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,693
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,390
−HK$2,740/mo
Today · 4.125%
HK$92,130
baseline
▲ 0.50% · 4.625%
HK$97,735
+HK$5,605/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,260/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,445
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,032
−HK$2,624/mo
Today · 4.125%
HK$101,656
baseline
▲ 0.50% · 4.625%
HK$107,014
+HK$5,358/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,312/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,032
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,268
−HK$3,287/mo
Today · 4.125%
HK$110,555
baseline
▲ 0.50% · 4.625%
HK$117,283
+HK$6,728/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$1,615,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,734
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,838
−HK$3,149/mo
Today · 4.125%
HK$121,987
baseline
▲ 0.50% · 4.625%
HK$128,417
+HK$6,430/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$243,974/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,370
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$125,146
−HK$3,835/mo
Today · 4.125%
HK$128,981
baseline
▲ 0.50% · 4.625%
HK$136,830
+HK$7,849/mo
Deposit HK$11.41M · loan HK$26.61M · min. income ≈ HK$257,962/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,023
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$138,645
−HK$3,673/mo
Today · 4.125%
HK$142,318
baseline
▲ 0.50% · 4.625%
HK$149,820
+HK$7,502/mo
Deposit HK$11.41M · loan HK$26.61M · min. income ≈ HK$284,636/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,048
−HK$9,785/mo
▼ 0.25% · 3.875%
HK$160,902
−HK$4,931/mo
Today · 4.125%
HK$165,833
baseline
▲ 0.50% · 4.625%
HK$175,924
+HK$10,091/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$331,666/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,601
−HK$9,380/mo
▼ 0.25% · 3.875%
HK$178,257
−HK$4,724/mo
Today · 4.125%
HK$182,981
baseline
▲ 0.50% · 4.625%
HK$192,626
+HK$9,645/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$365,962/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,809 · Scale 2, in force from 26 Feb 2026)