LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,859
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,530
−HK$2,713/mo
Today · 4.125%
HK$91,243
baseline
▲ 0.50% · 4.625%
HK$96,795
+HK$5,552/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$182,486/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,517
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,079
−HK$2,599/mo
Today · 4.125%
HK$100,678
baseline
▲ 0.50% · 4.625%
HK$105,985
+HK$5,307/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$201,356/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,031
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$106,236
−HK$3,256/mo
Today · 4.125%
HK$109,492
baseline
▲ 0.50% · 4.625%
HK$116,154
+HK$6,662/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$218,984/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,621
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$117,695
−HK$3,119/mo
Today · 4.125%
HK$120,814
baseline
▲ 0.50% · 4.625%
HK$127,182
+HK$6,368/mo
Deposit HK$15.06M · loan HK$22.59M · min. income ≈ HK$241,628/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,203
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$123,942
−HK$3,799/mo
Today · 4.125%
HK$127,741
baseline
▲ 0.50% · 4.625%
HK$135,513
+HK$7,772/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$255,482/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,724
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$137,311
−HK$3,638/mo
Today · 4.125%
HK$140,949
baseline
▲ 0.50% · 4.625%
HK$148,379
+HK$7,430/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$281,898/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,547
−HK$9,691/mo
▼ 0.25% · 3.875%
HK$159,354
−HK$4,884/mo
Today · 4.125%
HK$164,238
baseline
▲ 0.50% · 4.625%
HK$174,231
+HK$9,993/mo
Deposit HK$3.77M · loan HK$33.89M · min. income ≈ HK$328,476/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,931
−HK$9,289/mo
▼ 0.25% · 3.875%
HK$176,543
−HK$4,677/mo
Today · 4.125%
HK$181,220
baseline
▲ 0.50% · 4.625%
HK$190,773
+HK$9,553/mo
Deposit HK$3.77M · loan HK$33.89M · min. income ≈ HK$362,440/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,266 · Scale 2, in force from 26 Feb 2026)