LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,969
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,674
−HK$2,748/mo
Today · 4.125%
HK$92,422
baseline
▲ 0.50% · 4.625%
HK$98,046
+HK$5,624/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$184,844/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,752
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,347
−HK$2,632/mo
Today · 4.125%
HK$101,979
baseline
▲ 0.50% · 4.625%
HK$107,354
+HK$5,375/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$203,958/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,620,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,362
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$107,609
−HK$3,298/mo
Today · 4.125%
HK$110,907
baseline
▲ 0.50% · 4.625%
HK$117,655
+HK$6,748/mo
Deposit HK$15.26M · loan HK$22.88M · min. income ≈ HK$221,814/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,620,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,102
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$119,216
−HK$3,159/mo
Today · 4.125%
HK$122,375
baseline
▲ 0.50% · 4.625%
HK$128,825
+HK$6,450/mo
Deposit HK$15.26M · loan HK$22.88M · min. income ≈ HK$244,750/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,620,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,756
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$125,544
−HK$3,847/mo
Today · 4.125%
HK$129,391
baseline
▲ 0.50% · 4.625%
HK$137,265
+HK$7,874/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$258,782/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,453
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$139,085
−HK$3,686/mo
Today · 4.125%
HK$142,771
baseline
▲ 0.50% · 4.625%
HK$150,296
+HK$7,525/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$285,542/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,544
−HK$9,816/mo
▼ 0.25% · 3.875%
HK$161,413
−HK$4,947/mo
Today · 4.125%
HK$166,360
baseline
▲ 0.50% · 4.625%
HK$176,483
+HK$10,123/mo
Deposit HK$3.81M · loan HK$34.33M · min. income ≈ HK$332,720/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,153
−HK$9,409/mo
▼ 0.25% · 3.875%
HK$178,824
−HK$4,738/mo
Today · 4.125%
HK$183,562
baseline
▲ 0.50% · 4.625%
HK$193,238
+HK$9,676/mo
Deposit HK$3.81M · loan HK$34.33M · min. income ≈ HK$367,124/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,946 · Scale 2, in force from 26 Feb 2026)