LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,875
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,546
−HK$2,714/mo
Today · 4.125%
HK$91,260
baseline
▲ 0.50% · 4.625%
HK$96,813
+HK$5,553/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$182,520/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,535
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,097
−HK$2,599/mo
Today · 4.125%
HK$100,696
baseline
▲ 0.50% · 4.625%
HK$106,004
+HK$5,308/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$201,392/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,050
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,255
−HK$3,257/mo
Today · 4.125%
HK$109,512
baseline
▲ 0.50% · 4.625%
HK$116,175
+HK$6,663/mo
Deposit HK$15.06M · loan HK$22.60M · min. income ≈ HK$219,024/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,642
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$117,716
−HK$3,119/mo
Today · 4.125%
HK$120,835
baseline
▲ 0.50% · 4.625%
HK$127,205
+HK$6,370/mo
Deposit HK$15.06M · loan HK$22.60M · min. income ≈ HK$241,670/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,225
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$123,964
−HK$3,800/mo
Today · 4.125%
HK$127,764
baseline
▲ 0.50% · 4.625%
HK$135,538
+HK$7,774/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$255,528/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,749
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$137,336
−HK$3,639/mo
Today · 4.125%
HK$140,975
baseline
▲ 0.50% · 4.625%
HK$148,406
+HK$7,431/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$281,950/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,574
−HK$9,694/mo
▼ 0.25% · 3.875%
HK$159,383
−HK$4,885/mo
Today · 4.125%
HK$164,268
baseline
▲ 0.50% · 4.625%
HK$174,263
+HK$9,995/mo
Deposit HK$3.77M · loan HK$33.89M · min. income ≈ HK$328,536/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,962
−HK$9,291/mo
▼ 0.25% · 3.875%
HK$176,574
−HK$4,679/mo
Today · 4.125%
HK$181,253
baseline
▲ 0.50% · 4.625%
HK$190,807
+HK$9,554/mo
Deposit HK$3.77M · loan HK$33.89M · min. income ≈ HK$362,506/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,554 · Scale 2, in force from 26 Feb 2026)