LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,816
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,517
−HK$2,744/mo
Today · 4.125%
HK$92,261
baseline
▲ 0.50% · 4.625%
HK$97,874
+HK$5,613/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$184,522/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,618,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,582
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,173
−HK$2,627/mo
Today · 4.125%
HK$101,800
baseline
▲ 0.50% · 4.625%
HK$107,167
+HK$5,367/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$203,600/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,618,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,180
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,420
−HK$3,293/mo
Today · 4.125%
HK$110,713
baseline
▲ 0.50% · 4.625%
HK$117,449
+HK$6,736/mo
Deposit HK$15.23M · loan HK$22.84M · min. income ≈ HK$221,426/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,899
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,007
−HK$3,154/mo
Today · 4.125%
HK$122,161
baseline
▲ 0.50% · 4.625%
HK$128,600
+HK$6,439/mo
Deposit HK$15.23M · loan HK$22.84M · min. income ≈ HK$244,322/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,543
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$125,324
−HK$3,841/mo
Today · 4.125%
HK$129,165
baseline
▲ 0.50% · 4.625%
HK$137,024
+HK$7,859/mo
Deposit HK$11.42M · loan HK$26.65M · min. income ≈ HK$258,330/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,215
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$138,842
−HK$3,679/mo
Today · 4.125%
HK$142,521
baseline
▲ 0.50% · 4.625%
HK$150,033
+HK$7,512/mo
Deposit HK$11.42M · loan HK$26.65M · min. income ≈ HK$285,042/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,270
−HK$9,799/mo
▼ 0.25% · 3.875%
HK$161,130
−HK$4,939/mo
Today · 4.125%
HK$166,069
baseline
▲ 0.50% · 4.625%
HK$176,174
+HK$10,105/mo
Deposit HK$3.81M · loan HK$34.27M · min. income ≈ HK$332,138/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,848
−HK$9,393/mo
▼ 0.25% · 3.875%
HK$178,511
−HK$4,730/mo
Today · 4.125%
HK$183,241
baseline
▲ 0.50% · 4.625%
HK$192,900
+HK$9,659/mo
Deposit HK$3.81M · loan HK$34.27M · min. income ≈ HK$366,482/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,108 · Scale 2, in force from 26 Feb 2026)