LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,815
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,515
−HK$2,744/mo
Today · 4.125%
HK$92,259
baseline
▲ 0.50% · 4.625%
HK$97,872
+HK$5,613/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$184,518/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,618,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,580
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,171
−HK$2,627/mo
Today · 4.125%
HK$101,798
baseline
▲ 0.50% · 4.625%
HK$107,164
+HK$5,366/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$203,596/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,618,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,178
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,418
−HK$3,292/mo
Today · 4.125%
HK$110,710
baseline
▲ 0.50% · 4.625%
HK$117,447
+HK$6,737/mo
Deposit HK$15.23M · loan HK$22.84M · min. income ≈ HK$221,420/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,896
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,005
−HK$3,153/mo
Today · 4.125%
HK$122,158
baseline
▲ 0.50% · 4.625%
HK$128,597
+HK$6,439/mo
Deposit HK$15.23M · loan HK$22.84M · min. income ≈ HK$244,316/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,540
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$125,321
−HK$3,841/mo
Today · 4.125%
HK$129,162
baseline
▲ 0.50% · 4.625%
HK$137,021
+HK$7,859/mo
Deposit HK$11.42M · loan HK$26.65M · min. income ≈ HK$258,324/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,213
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$138,839
−HK$3,679/mo
Today · 4.125%
HK$142,518
baseline
▲ 0.50% · 4.625%
HK$150,030
+HK$7,512/mo
Deposit HK$11.42M · loan HK$26.65M · min. income ≈ HK$285,036/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,266
−HK$9,800/mo
▼ 0.25% · 3.875%
HK$161,127
−HK$4,939/mo
Today · 4.125%
HK$166,066
baseline
▲ 0.50% · 4.625%
HK$176,170
+HK$10,104/mo
Deposit HK$3.81M · loan HK$34.27M · min. income ≈ HK$332,132/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,845
−HK$9,392/mo
▼ 0.25% · 3.875%
HK$178,507
−HK$4,730/mo
Today · 4.125%
HK$183,237
baseline
▲ 0.50% · 4.625%
HK$192,896
+HK$9,659/mo
Deposit HK$3.81M · loan HK$34.27M · min. income ≈ HK$366,474/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,073 · Scale 2, in force from 26 Feb 2026)