LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,856
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,558
−HK$2,745/mo
Today · 4.125%
HK$92,303
baseline
▲ 0.50% · 4.625%
HK$97,919
+HK$5,616/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$184,606/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,626
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,218
−HK$2,629/mo
Today · 4.125%
HK$101,847
baseline
▲ 0.50% · 4.625%
HK$107,215
+HK$5,368/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$203,694/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,618,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,227
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,469
−HK$3,294/mo
Today · 4.125%
HK$110,763
baseline
▲ 0.50% · 4.625%
HK$117,503
+HK$6,740/mo
Deposit HK$15.24M · loan HK$22.85M · min. income ≈ HK$221,526/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,618,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,952
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,062
−HK$3,154/mo
Today · 4.125%
HK$122,216
baseline
▲ 0.50% · 4.625%
HK$128,658
+HK$6,442/mo
Deposit HK$15.24M · loan HK$22.85M · min. income ≈ HK$244,432/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,618,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,598
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$125,381
−HK$3,843/mo
Today · 4.125%
HK$129,224
baseline
▲ 0.50% · 4.625%
HK$137,087
+HK$7,863/mo
Deposit HK$11.43M · loan HK$26.66M · min. income ≈ HK$258,448/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,618,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,277
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$138,905
−HK$3,681/mo
Today · 4.125%
HK$142,586
baseline
▲ 0.50% · 4.625%
HK$150,102
+HK$7,516/mo
Deposit HK$11.43M · loan HK$26.66M · min. income ≈ HK$285,172/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,618,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,341
−HK$9,804/mo
▼ 0.25% · 3.875%
HK$161,204
−HK$4,941/mo
Today · 4.125%
HK$166,145
baseline
▲ 0.50% · 4.625%
HK$176,254
+HK$10,109/mo
Deposit HK$3.81M · loan HK$34.28M · min. income ≈ HK$332,290/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,928
−HK$9,396/mo
▼ 0.25% · 3.875%
HK$178,592
−HK$4,732/mo
Today · 4.125%
HK$183,324
baseline
▲ 0.50% · 4.625%
HK$192,988
+HK$9,664/mo
Deposit HK$3.81M · loan HK$34.28M · min. income ≈ HK$366,648/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,618,846 · Scale 2, in force from 26 Feb 2026)