LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,876
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,547
−HK$2,714/mo
Today · 4.125%
HK$91,261
baseline
▲ 0.50% · 4.625%
HK$96,814
+HK$5,553/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$182,522/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,536
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,098
−HK$2,599/mo
Today · 4.125%
HK$100,697
baseline
▲ 0.50% · 4.625%
HK$106,005
+HK$5,308/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$201,394/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,051
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,256
−HK$3,257/mo
Today · 4.125%
HK$109,513
baseline
▲ 0.50% · 4.625%
HK$116,177
+HK$6,664/mo
Deposit HK$15.06M · loan HK$22.60M · min. income ≈ HK$219,026/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,643
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,718
−HK$3,119/mo
Today · 4.125%
HK$120,837
baseline
▲ 0.50% · 4.625%
HK$127,206
+HK$6,369/mo
Deposit HK$15.06M · loan HK$22.60M · min. income ≈ HK$241,674/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,600,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,226
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$123,966
−HK$3,799/mo
Today · 4.125%
HK$127,765
baseline
▲ 0.50% · 4.625%
HK$135,540
+HK$7,775/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$255,530/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,750
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$137,337
−HK$3,639/mo
Today · 4.125%
HK$140,976
baseline
▲ 0.50% · 4.625%
HK$148,408
+HK$7,432/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$281,952/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,576
−HK$9,694/mo
▼ 0.25% · 3.875%
HK$159,385
−HK$4,885/mo
Today · 4.125%
HK$164,270
baseline
▲ 0.50% · 4.625%
HK$174,265
+HK$9,995/mo
Deposit HK$3.77M · loan HK$33.89M · min. income ≈ HK$328,540/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,965
−HK$9,290/mo
▼ 0.25% · 3.875%
HK$176,577
−HK$4,678/mo
Today · 4.125%
HK$181,255
baseline
▲ 0.50% · 4.625%
HK$190,810
+HK$9,555/mo
Deposit HK$3.77M · loan HK$33.89M · min. income ≈ HK$362,510/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,576 · Scale 2, in force from 26 Feb 2026)