LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,822
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,523
−HK$2,744/mo
Today · 4.125%
HK$92,267
baseline
▲ 0.50% · 4.625%
HK$97,881
+HK$5,614/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$184,534/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,589
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,179
−HK$2,628/mo
Today · 4.125%
HK$101,807
baseline
▲ 0.50% · 4.625%
HK$107,174
+HK$5,367/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$203,614/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,187
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,427
−HK$3,293/mo
Today · 4.125%
HK$110,720
baseline
▲ 0.50% · 4.625%
HK$117,457
+HK$6,737/mo
Deposit HK$15.23M · loan HK$22.85M · min. income ≈ HK$221,440/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,907
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,015
−HK$3,154/mo
Today · 4.125%
HK$122,169
baseline
▲ 0.50% · 4.625%
HK$128,608
+HK$6,439/mo
Deposit HK$15.23M · loan HK$22.85M · min. income ≈ HK$244,338/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,551
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$125,332
−HK$3,841/mo
Today · 4.125%
HK$129,173
baseline
▲ 0.50% · 4.625%
HK$137,033
+HK$7,860/mo
Deposit HK$11.42M · loan HK$26.65M · min. income ≈ HK$258,346/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,224
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$138,851
−HK$3,679/mo
Today · 4.125%
HK$142,530
baseline
▲ 0.50% · 4.625%
HK$150,043
+HK$7,513/mo
Deposit HK$11.42M · loan HK$26.65M · min. income ≈ HK$285,060/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,280
−HK$9,800/mo
▼ 0.25% · 3.875%
HK$161,141
−HK$4,939/mo
Today · 4.125%
HK$166,080
baseline
▲ 0.50% · 4.625%
HK$176,186
+HK$10,106/mo
Deposit HK$3.81M · loan HK$34.27M · min. income ≈ HK$332,160/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,860
−HK$9,393/mo
▼ 0.25% · 3.875%
HK$178,523
−HK$4,730/mo
Today · 4.125%
HK$183,253
baseline
▲ 0.50% · 4.625%
HK$192,912
+HK$9,659/mo
Deposit HK$3.81M · loan HK$34.27M · min. income ≈ HK$366,506/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,214 · Scale 2, in force from 26 Feb 2026)