LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,700
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,397
−HK$2,740/mo
Today · 4.125%
HK$92,137
baseline
▲ 0.50% · 4.625%
HK$97,743
+HK$5,606/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,274/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,453
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,039
−HK$2,625/mo
Today · 4.125%
HK$101,664
baseline
▲ 0.50% · 4.625%
HK$107,022
+HK$5,358/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,328/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,040
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,276
−HK$3,288/mo
Today · 4.125%
HK$110,564
baseline
▲ 0.50% · 4.625%
HK$117,291
+HK$6,727/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$221,128/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,743
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,847
−HK$3,149/mo
Today · 4.125%
HK$121,996
baseline
▲ 0.50% · 4.625%
HK$128,427
+HK$6,431/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$243,992/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,380
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$125,155
−HK$3,836/mo
Today · 4.125%
HK$128,991
baseline
▲ 0.50% · 4.625%
HK$136,840
+HK$7,849/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$257,982/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,034
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$138,655
−HK$3,674/mo
Today · 4.125%
HK$142,329
baseline
▲ 0.50% · 4.625%
HK$149,831
+HK$7,502/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$284,658/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,059
−HK$9,787/mo
▼ 0.25% · 3.875%
HK$160,914
−HK$4,932/mo
Today · 4.125%
HK$165,846
baseline
▲ 0.50% · 4.625%
HK$175,937
+HK$10,091/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$331,692/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,615
−HK$9,379/mo
▼ 0.25% · 3.875%
HK$178,271
−HK$4,723/mo
Today · 4.125%
HK$182,994
baseline
▲ 0.50% · 4.625%
HK$192,640
+HK$9,646/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$365,988/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,931 · Scale 2, in force from 26 Feb 2026)