LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,993
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,699
−HK$2,749/mo
Today · 4.125%
HK$92,448
baseline
▲ 0.50% · 4.625%
HK$98,073
+HK$5,625/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$184,896/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,779
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,374
−HK$2,633/mo
Today · 4.125%
HK$102,007
baseline
▲ 0.50% · 4.625%
HK$107,384
+HK$5,377/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$204,014/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,391
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$107,638
−HK$3,300/mo
Today · 4.125%
HK$110,938
baseline
▲ 0.50% · 4.625%
HK$117,688
+HK$6,750/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$221,876/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,134
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$119,249
−HK$3,160/mo
Today · 4.125%
HK$122,409
baseline
▲ 0.50% · 4.625%
HK$128,861
+HK$6,452/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$244,818/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,790
−HK$7,637/mo
▼ 0.25% · 3.875%
HK$125,578
−HK$3,849/mo
Today · 4.125%
HK$129,427
baseline
▲ 0.50% · 4.625%
HK$137,302
+HK$7,875/mo
Deposit HK$11.45M · loan HK$26.71M · min. income ≈ HK$258,854/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,490
−HK$7,320/mo
▼ 0.25% · 3.875%
HK$139,124
−HK$3,686/mo
Today · 4.125%
HK$142,810
baseline
▲ 0.50% · 4.625%
HK$150,338
+HK$7,528/mo
Deposit HK$11.45M · loan HK$26.71M · min. income ≈ HK$285,620/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,587
−HK$9,819/mo
▼ 0.25% · 3.875%
HK$161,458
−HK$4,948/mo
Today · 4.125%
HK$166,406
baseline
▲ 0.50% · 4.625%
HK$176,532
+HK$10,126/mo
Deposit HK$3.82M · loan HK$34.34M · min. income ≈ HK$332,812/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,201
−HK$9,412/mo
▼ 0.25% · 3.875%
HK$178,873
−HK$4,740/mo
Today · 4.125%
HK$183,613
baseline
▲ 0.50% · 4.625%
HK$193,291
+HK$9,678/mo
Deposit HK$3.82M · loan HK$34.34M · min. income ≈ HK$367,226/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,393 · Scale 2, in force from 26 Feb 2026)