LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,974
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,679
−HK$2,749/mo
Today · 4.125%
HK$92,428
baseline
▲ 0.50% · 4.625%
HK$98,052
+HK$5,624/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$184,856/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,621,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,758
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,353
−HK$2,632/mo
Today · 4.125%
HK$101,985
baseline
▲ 0.50% · 4.625%
HK$107,361
+HK$5,376/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$203,970/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,621,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,369
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$107,615
−HK$3,299/mo
Today · 4.125%
HK$110,914
baseline
▲ 0.50% · 4.625%
HK$117,663
+HK$6,749/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$221,828/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,109
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$119,223
−HK$3,159/mo
Today · 4.125%
HK$122,382
baseline
▲ 0.50% · 4.625%
HK$128,833
+HK$6,451/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$244,764/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,764
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$125,551
−HK$3,848/mo
Today · 4.125%
HK$129,399
baseline
▲ 0.50% · 4.625%
HK$137,273
+HK$7,874/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$258,798/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,621,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,461
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$139,094
−HK$3,685/mo
Today · 4.125%
HK$142,779
baseline
▲ 0.50% · 4.625%
HK$150,305
+HK$7,526/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$285,558/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,621,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,553
−HK$9,818/mo
▼ 0.25% · 3.875%
HK$161,423
−HK$4,948/mo
Today · 4.125%
HK$166,371
baseline
▲ 0.50% · 4.625%
HK$176,494
+HK$10,123/mo
Deposit HK$3.81M · loan HK$34.33M · min. income ≈ HK$332,742/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,164
−HK$9,410/mo
▼ 0.25% · 3.875%
HK$178,835
−HK$4,739/mo
Today · 4.125%
HK$183,574
baseline
▲ 0.50% · 4.625%
HK$193,250
+HK$9,676/mo
Deposit HK$3.81M · loan HK$34.33M · min. income ≈ HK$367,148/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,045 · Scale 2, in force from 26 Feb 2026)