LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,697
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,393
−HK$2,740/mo
Today · 4.125%
HK$92,133
baseline
▲ 0.50% · 4.625%
HK$97,739
+HK$5,606/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,266/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,449
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,036
−HK$2,624/mo
Today · 4.125%
HK$101,660
baseline
▲ 0.50% · 4.625%
HK$107,019
+HK$5,359/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,320/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,036
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,272
−HK$3,288/mo
Today · 4.125%
HK$110,560
baseline
▲ 0.50% · 4.625%
HK$117,287
+HK$6,727/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$221,120/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,739
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,843
−HK$3,149/mo
Today · 4.125%
HK$121,992
baseline
▲ 0.50% · 4.625%
HK$128,422
+HK$6,430/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$243,984/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,375
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$125,151
−HK$3,836/mo
Today · 4.125%
HK$128,987
baseline
▲ 0.50% · 4.625%
HK$136,835
+HK$7,848/mo
Deposit HK$11.41M · loan HK$26.61M · min. income ≈ HK$257,974/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,029
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$138,650
−HK$3,674/mo
Today · 4.125%
HK$142,324
baseline
▲ 0.50% · 4.625%
HK$149,826
+HK$7,502/mo
Deposit HK$11.41M · loan HK$26.61M · min. income ≈ HK$284,648/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,054
−HK$9,786/mo
▼ 0.25% · 3.875%
HK$160,908
−HK$4,932/mo
Today · 4.125%
HK$165,840
baseline
▲ 0.50% · 4.625%
HK$175,931
+HK$10,091/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$331,680/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,609
−HK$9,379/mo
▼ 0.25% · 3.875%
HK$178,265
−HK$4,723/mo
Today · 4.125%
HK$182,988
baseline
▲ 0.50% · 4.625%
HK$192,634
+HK$9,646/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$365,976/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,876 · Scale 2, in force from 26 Feb 2026)