LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,747
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,446
−HK$2,741/mo
Today · 4.125%
HK$92,187
baseline
▲ 0.50% · 4.625%
HK$97,797
+HK$5,610/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$184,374/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,616,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,506
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,094
−HK$2,626/mo
Today · 4.125%
HK$101,720
baseline
▲ 0.50% · 4.625%
HK$107,081
+HK$5,361/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$203,440/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,616,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,097
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$107,335
−HK$3,290/mo
Today · 4.125%
HK$110,625
baseline
▲ 0.50% · 4.625%
HK$117,356
+HK$6,731/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$221,250/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,807
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,913
−HK$3,150/mo
Today · 4.125%
HK$122,063
baseline
▲ 0.50% · 4.625%
HK$128,498
+HK$6,435/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$244,126/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,446
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$125,224
−HK$3,838/mo
Today · 4.125%
HK$129,062
baseline
▲ 0.50% · 4.625%
HK$136,915
+HK$7,853/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$258,124/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,108
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$138,731
−HK$3,676/mo
Today · 4.125%
HK$142,407
baseline
▲ 0.50% · 4.625%
HK$149,914
+HK$7,507/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$284,814/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,145
−HK$9,792/mo
▼ 0.25% · 3.875%
HK$161,002
−HK$4,935/mo
Today · 4.125%
HK$165,937
baseline
▲ 0.50% · 4.625%
HK$176,034
+HK$10,097/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$331,874/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,710
−HK$9,385/mo
▼ 0.25% · 3.875%
HK$178,369
−HK$4,726/mo
Today · 4.125%
HK$183,095
baseline
▲ 0.50% · 4.625%
HK$192,746
+HK$9,651/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$366,190/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,821 · Scale 2, in force from 26 Feb 2026)