LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,836
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,538
−HK$2,744/mo
Today · 4.125%
HK$92,282
baseline
▲ 0.50% · 4.625%
HK$97,897
+HK$5,615/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$184,564/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,605
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,196
−HK$2,628/mo
Today · 4.125%
HK$101,824
baseline
▲ 0.50% · 4.625%
HK$107,191
+HK$5,367/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$203,648/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,204
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,445
−HK$3,293/mo
Today · 4.125%
HK$110,738
baseline
▲ 0.50% · 4.625%
HK$117,476
+HK$6,738/mo
Deposit HK$15.23M · loan HK$22.85M · min. income ≈ HK$221,476/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,926
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,035
−HK$3,154/mo
Today · 4.125%
HK$122,189
baseline
▲ 0.50% · 4.625%
HK$128,629
+HK$6,440/mo
Deposit HK$15.23M · loan HK$22.85M · min. income ≈ HK$244,378/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,571
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$125,353
−HK$3,842/mo
Today · 4.125%
HK$129,195
baseline
▲ 0.50% · 4.625%
HK$137,056
+HK$7,861/mo
Deposit HK$11.42M · loan HK$26.66M · min. income ≈ HK$258,390/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,246
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$138,874
−HK$3,679/mo
Today · 4.125%
HK$142,553
baseline
▲ 0.50% · 4.625%
HK$150,068
+HK$7,515/mo
Deposit HK$11.42M · loan HK$26.66M · min. income ≈ HK$285,106/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,618,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,306
−HK$9,801/mo
▼ 0.25% · 3.875%
HK$161,168
−HK$4,939/mo
Today · 4.125%
HK$166,107
baseline
▲ 0.50% · 4.625%
HK$176,215
+HK$10,108/mo
Deposit HK$3.81M · loan HK$34.27M · min. income ≈ HK$332,214/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,888
−HK$9,395/mo
▼ 0.25% · 3.875%
HK$178,552
−HK$4,731/mo
Today · 4.125%
HK$183,283
baseline
▲ 0.50% · 4.625%
HK$192,944
+HK$9,661/mo
Deposit HK$3.81M · loan HK$34.27M · min. income ≈ HK$366,566/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,480 · Scale 2, in force from 26 Feb 2026)