LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,851
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,521
−HK$2,713/mo
Today · 4.125%
HK$91,234
baseline
▲ 0.50% · 4.625%
HK$96,786
+HK$5,552/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$182,468/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,600,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,508
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,069
−HK$2,599/mo
Today · 4.125%
HK$100,668
baseline
▲ 0.50% · 4.625%
HK$105,974
+HK$5,306/mo
Deposit HK$18.82M · loan HK$18.82M · min. income ≈ HK$201,336/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,600,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,021
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,225
−HK$3,256/mo
Today · 4.125%
HK$109,481
baseline
▲ 0.50% · 4.625%
HK$116,143
+HK$6,662/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$218,962/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,609
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,683
−HK$3,118/mo
Today · 4.125%
HK$120,801
baseline
▲ 0.50% · 4.625%
HK$127,169
+HK$6,368/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$241,602/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,191
−HK$7,537/mo
▼ 0.25% · 3.875%
HK$123,929
−HK$3,799/mo
Today · 4.125%
HK$127,728
baseline
▲ 0.50% · 4.625%
HK$135,500
+HK$7,772/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$255,456/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,600,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,711
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$137,297
−HK$3,638/mo
Today · 4.125%
HK$140,935
baseline
▲ 0.50% · 4.625%
HK$148,364
+HK$7,429/mo
Deposit HK$11.29M · loan HK$26.35M · min. income ≈ HK$281,870/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,600,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,531
−HK$9,691/mo
▼ 0.25% · 3.875%
HK$159,338
−HK$4,884/mo
Today · 4.125%
HK$164,222
baseline
▲ 0.50% · 4.625%
HK$174,214
+HK$9,992/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$328,444/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,914
−HK$9,288/mo
▼ 0.25% · 3.875%
HK$176,525
−HK$4,677/mo
Today · 4.125%
HK$181,202
baseline
▲ 0.50% · 4.625%
HK$190,754
+HK$9,552/mo
Deposit HK$3.76M · loan HK$33.88M · min. income ≈ HK$362,404/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,106 · Scale 2, in force from 26 Feb 2026)