LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,846
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,517
−HK$2,713/mo
Today · 4.125%
HK$91,230
baseline
▲ 0.50% · 4.625%
HK$96,781
+HK$5,551/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$182,460/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,600,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,503
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,064
−HK$2,599/mo
Today · 4.125%
HK$100,663
baseline
▲ 0.50% · 4.625%
HK$105,969
+HK$5,306/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$201,326/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,600,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,016
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,220
−HK$3,256/mo
Today · 4.125%
HK$109,476
baseline
▲ 0.50% · 4.625%
HK$116,137
+HK$6,661/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$218,952/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,604
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,677
−HK$3,118/mo
Today · 4.125%
HK$120,795
baseline
▲ 0.50% · 4.625%
HK$127,163
+HK$6,368/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$241,590/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,185
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$123,923
−HK$3,798/mo
Today · 4.125%
HK$127,721
baseline
▲ 0.50% · 4.625%
HK$135,493
+HK$7,772/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$255,442/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,600,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,704
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$137,290
−HK$3,638/mo
Today · 4.125%
HK$140,928
baseline
▲ 0.50% · 4.625%
HK$148,357
+HK$7,429/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$281,856/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,600,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,523
−HK$9,690/mo
▼ 0.25% · 3.875%
HK$159,330
−HK$4,883/mo
Today · 4.125%
HK$164,213
baseline
▲ 0.50% · 4.625%
HK$174,205
+HK$9,992/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$328,426/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,600,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,906
−HK$9,287/mo
▼ 0.25% · 3.875%
HK$176,516
−HK$4,677/mo
Today · 4.125%
HK$181,193
baseline
▲ 0.50% · 4.625%
HK$190,744
+HK$9,551/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$362,386/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,600,026 · Scale 2, in force from 26 Feb 2026)