LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,996
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,702
−HK$2,750/mo
Today · 4.125%
HK$92,452
baseline
▲ 0.50% · 4.625%
HK$98,077
+HK$5,625/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$184,904/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,782
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,378
−HK$2,633/mo
Today · 4.125%
HK$102,011
baseline
▲ 0.50% · 4.625%
HK$107,389
+HK$5,378/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$204,022/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,396
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,643
−HK$3,299/mo
Today · 4.125%
HK$110,942
baseline
▲ 0.50% · 4.625%
HK$117,693
+HK$6,751/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$221,884/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,139
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$119,254
−HK$3,160/mo
Today · 4.125%
HK$122,414
baseline
▲ 0.50% · 4.625%
HK$128,866
+HK$6,452/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$244,828/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,795
−HK$7,637/mo
▼ 0.25% · 3.875%
HK$125,583
−HK$3,849/mo
Today · 4.125%
HK$129,432
baseline
▲ 0.50% · 4.625%
HK$137,308
+HK$7,876/mo
Deposit HK$11.45M · loan HK$26.71M · min. income ≈ HK$258,864/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,495
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$139,129
−HK$3,687/mo
Today · 4.125%
HK$142,816
baseline
▲ 0.50% · 4.625%
HK$150,344
+HK$7,528/mo
Deposit HK$11.45M · loan HK$26.71M · min. income ≈ HK$285,632/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,593
−HK$9,820/mo
▼ 0.25% · 3.875%
HK$161,464
−HK$4,949/mo
Today · 4.125%
HK$166,413
baseline
▲ 0.50% · 4.625%
HK$176,539
+HK$10,126/mo
Deposit HK$3.82M · loan HK$34.34M · min. income ≈ HK$332,826/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,208
−HK$9,412/mo
▼ 0.25% · 3.875%
HK$178,881
−HK$4,739/mo
Today · 4.125%
HK$183,620
baseline
▲ 0.50% · 4.625%
HK$193,299
+HK$9,679/mo
Deposit HK$3.82M · loan HK$34.34M · min. income ≈ HK$367,240/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,459 · Scale 2, in force from 26 Feb 2026)