LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,720
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,417
−HK$2,741/mo
Today · 4.125%
HK$92,158
baseline
▲ 0.50% · 4.625%
HK$97,765
+HK$5,607/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$184,316/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,475
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,062
−HK$2,625/mo
Today · 4.125%
HK$101,687
baseline
▲ 0.50% · 4.625%
HK$107,047
+HK$5,360/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$203,374/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,064
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,301
−HK$3,288/mo
Today · 4.125%
HK$110,589
baseline
▲ 0.50% · 4.625%
HK$117,318
+HK$6,729/mo
Deposit HK$15.21M · loan HK$22.82M · min. income ≈ HK$221,178/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,770
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,875
−HK$3,149/mo
Today · 4.125%
HK$122,024
baseline
▲ 0.50% · 4.625%
HK$128,457
+HK$6,433/mo
Deposit HK$15.21M · loan HK$22.82M · min. income ≈ HK$244,048/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,408
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$125,184
−HK$3,837/mo
Today · 4.125%
HK$129,021
baseline
▲ 0.50% · 4.625%
HK$136,872
+HK$7,851/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$258,042/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,065
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$138,687
−HK$3,675/mo
Today · 4.125%
HK$142,362
baseline
▲ 0.50% · 4.625%
HK$149,866
+HK$7,504/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$284,724/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,095
−HK$9,789/mo
▼ 0.25% · 3.875%
HK$160,951
−HK$4,933/mo
Today · 4.125%
HK$165,884
baseline
▲ 0.50% · 4.625%
HK$175,978
+HK$10,094/mo
Deposit HK$3.80M · loan HK$34.23M · min. income ≈ HK$331,768/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,655
−HK$9,382/mo
▼ 0.25% · 3.875%
HK$178,312
−HK$4,725/mo
Today · 4.125%
HK$183,037
baseline
▲ 0.50% · 4.625%
HK$192,685
+HK$9,648/mo
Deposit HK$3.80M · loan HK$34.23M · min. income ≈ HK$366,074/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,305 · Scale 2, in force from 26 Feb 2026)