LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,854
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,556
−HK$2,745/mo
Today · 4.125%
HK$92,301
baseline
▲ 0.50% · 4.625%
HK$97,917
+HK$5,616/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$184,602/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,624
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,216
−HK$2,629/mo
Today · 4.125%
HK$101,845
baseline
▲ 0.50% · 4.625%
HK$107,213
+HK$5,368/mo
Deposit HK$19.04M · loan HK$19.04M · min. income ≈ HK$203,690/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,225
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,467
−HK$3,294/mo
Today · 4.125%
HK$110,761
baseline
▲ 0.50% · 4.625%
HK$117,500
+HK$6,739/mo
Deposit HK$15.24M · loan HK$22.85M · min. income ≈ HK$221,522/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,949
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,059
−HK$3,155/mo
Today · 4.125%
HK$122,214
baseline
▲ 0.50% · 4.625%
HK$128,656
+HK$6,442/mo
Deposit HK$15.24M · loan HK$22.85M · min. income ≈ HK$244,428/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,618,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,596
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$125,378
−HK$3,843/mo
Today · 4.125%
HK$129,221
baseline
▲ 0.50% · 4.625%
HK$137,084
+HK$7,863/mo
Deposit HK$11.43M · loan HK$26.66M · min. income ≈ HK$258,442/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,618,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,274
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$138,902
−HK$3,681/mo
Today · 4.125%
HK$142,583
baseline
▲ 0.50% · 4.625%
HK$150,098
+HK$7,515/mo
Deposit HK$11.43M · loan HK$26.66M · min. income ≈ HK$285,166/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,618,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,337
−HK$9,804/mo
▼ 0.25% · 3.875%
HK$161,200
−HK$4,941/mo
Today · 4.125%
HK$166,141
baseline
▲ 0.50% · 4.625%
HK$176,250
+HK$10,109/mo
Deposit HK$3.81M · loan HK$34.28M · min. income ≈ HK$332,282/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,924
−HK$9,396/mo
▼ 0.25% · 3.875%
HK$178,588
−HK$4,732/mo
Today · 4.125%
HK$183,320
baseline
▲ 0.50% · 4.625%
HK$192,983
+HK$9,663/mo
Deposit HK$3.81M · loan HK$34.28M · min. income ≈ HK$366,640/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,810 · Scale 2, in force from 26 Feb 2026)