LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,900
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,604
−HK$2,746/mo
Today · 4.125%
HK$92,350
baseline
▲ 0.50% · 4.625%
HK$97,969
+HK$5,619/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$184,700/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,676
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,269
−HK$2,630/mo
Today · 4.125%
HK$101,899
baseline
▲ 0.50% · 4.625%
HK$107,270
+HK$5,371/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$203,798/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,281
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,524
−HK$3,296/mo
Today · 4.125%
HK$110,820
baseline
▲ 0.50% · 4.625%
HK$117,563
+HK$6,743/mo
Deposit HK$15.24M · loan HK$22.87M · min. income ≈ HK$221,640/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,011
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,122
−HK$3,157/mo
Today · 4.125%
HK$122,279
baseline
▲ 0.50% · 4.625%
HK$128,724
+HK$6,445/mo
Deposit HK$15.24M · loan HK$22.87M · min. income ≈ HK$244,558/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,661
−HK$7,629/mo
▼ 0.25% · 3.875%
HK$125,445
−HK$3,845/mo
Today · 4.125%
HK$129,290
baseline
▲ 0.50% · 4.625%
HK$137,157
+HK$7,867/mo
Deposit HK$11.43M · loan HK$26.68M · min. income ≈ HK$258,580/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,346
−HK$7,313/mo
▼ 0.25% · 3.875%
HK$138,976
−HK$3,683/mo
Today · 4.125%
HK$142,659
baseline
▲ 0.50% · 4.625%
HK$150,178
+HK$7,519/mo
Deposit HK$11.43M · loan HK$26.68M · min. income ≈ HK$285,318/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,421
−HK$9,809/mo
▼ 0.25% · 3.875%
HK$161,286
−HK$4,944/mo
Today · 4.125%
HK$166,230
baseline
▲ 0.50% · 4.625%
HK$176,344
+HK$10,114/mo
Deposit HK$3.81M · loan HK$34.30M · min. income ≈ HK$332,460/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,017
−HK$9,401/mo
▼ 0.25% · 3.875%
HK$178,684
−HK$4,734/mo
Today · 4.125%
HK$183,418
baseline
▲ 0.50% · 4.625%
HK$193,086
+HK$9,668/mo
Deposit HK$3.81M · loan HK$34.30M · min. income ≈ HK$366,836/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,673 · Scale 2, in force from 26 Feb 2026)