LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,708
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,405
−HK$2,740/mo
Today · 4.125%
HK$92,145
baseline
▲ 0.50% · 4.625%
HK$97,752
+HK$5,607/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,290/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,461
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,048
−HK$2,625/mo
Today · 4.125%
HK$101,673
baseline
▲ 0.50% · 4.625%
HK$107,032
+HK$5,359/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,346/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,049
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,286
−HK$3,288/mo
Today · 4.125%
HK$110,574
baseline
▲ 0.50% · 4.625%
HK$117,302
+HK$6,728/mo
Deposit HK$15.21M · loan HK$22.82M · min. income ≈ HK$221,148/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,753
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,858
−HK$3,149/mo
Today · 4.125%
HK$122,007
baseline
▲ 0.50% · 4.625%
HK$128,438
+HK$6,431/mo
Deposit HK$15.21M · loan HK$22.82M · min. income ≈ HK$244,014/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,391
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$125,166
−HK$3,837/mo
Today · 4.125%
HK$129,003
baseline
▲ 0.50% · 4.625%
HK$136,852
+HK$7,849/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$258,006/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,616,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,046
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$138,668
−HK$3,674/mo
Today · 4.125%
HK$142,342
baseline
▲ 0.50% · 4.625%
HK$149,845
+HK$7,503/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$284,684/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,616,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,074
−HK$9,787/mo
▼ 0.25% · 3.875%
HK$160,928
−HK$4,933/mo
Today · 4.125%
HK$165,861
baseline
▲ 0.50% · 4.625%
HK$175,953
+HK$10,092/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$331,722/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,630
−HK$9,381/mo
▼ 0.25% · 3.875%
HK$178,287
−HK$4,724/mo
Today · 4.125%
HK$183,011
baseline
▲ 0.50% · 4.625%
HK$192,658
+HK$9,647/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$366,022/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,077 · Scale 2, in force from 26 Feb 2026)