LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,786
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,485
−HK$2,743/mo
Today · 4.125%
HK$92,228
baseline
▲ 0.50% · 4.625%
HK$97,840
+HK$5,612/mo
Deposit HK$19.03M · loan HK$19.03M · min. income ≈ HK$184,456/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,617,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,548
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,138
−HK$2,627/mo
Today · 4.125%
HK$101,765
baseline
▲ 0.50% · 4.625%
HK$107,129
+HK$5,364/mo
Deposit HK$19.03M · loan HK$19.03M · min. income ≈ HK$203,530/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,617,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,143
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,382
−HK$3,292/mo
Today · 4.125%
HK$110,674
baseline
▲ 0.50% · 4.625%
HK$117,408
+HK$6,734/mo
Deposit HK$15.22M · loan HK$22.84M · min. income ≈ HK$221,348/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,858
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,965
−HK$3,152/mo
Today · 4.125%
HK$122,117
baseline
▲ 0.50% · 4.625%
HK$128,554
+HK$6,437/mo
Deposit HK$15.22M · loan HK$22.84M · min. income ≈ HK$244,234/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,500
−HK$7,619/mo
▼ 0.25% · 3.875%
HK$125,279
−HK$3,840/mo
Today · 4.125%
HK$129,119
baseline
▲ 0.50% · 4.625%
HK$136,976
+HK$7,857/mo
Deposit HK$11.42M · loan HK$26.64M · min. income ≈ HK$258,238/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,617,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,168
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$138,793
−HK$3,677/mo
Today · 4.125%
HK$142,470
baseline
▲ 0.50% · 4.625%
HK$149,980
+HK$7,510/mo
Deposit HK$11.42M · loan HK$26.64M · min. income ≈ HK$284,940/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,617,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,214
−HK$9,796/mo
▼ 0.25% · 3.875%
HK$161,074
−HK$4,936/mo
Today · 4.125%
HK$166,010
baseline
▲ 0.50% · 4.625%
HK$176,112
+HK$10,102/mo
Deposit HK$3.81M · loan HK$34.25M · min. income ≈ HK$332,020/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,787
−HK$9,389/mo
▼ 0.25% · 3.875%
HK$178,448
−HK$4,728/mo
Today · 4.125%
HK$183,176
baseline
▲ 0.50% · 4.625%
HK$192,832
+HK$9,656/mo
Deposit HK$3.81M · loan HK$34.25M · min. income ≈ HK$366,352/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,536 · Scale 2, in force from 26 Feb 2026)