LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,878
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,549
−HK$2,714/mo
Today · 4.125%
HK$91,263
baseline
▲ 0.50% · 4.625%
HK$96,817
+HK$5,554/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$182,526/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,539
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,101
−HK$2,599/mo
Today · 4.125%
HK$100,700
baseline
▲ 0.50% · 4.625%
HK$106,008
+HK$5,308/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$201,400/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,054
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,259
−HK$3,257/mo
Today · 4.125%
HK$109,516
baseline
▲ 0.50% · 4.625%
HK$116,180
+HK$6,664/mo
Deposit HK$15.06M · loan HK$22.60M · min. income ≈ HK$219,032/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,600,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,646
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,721
−HK$3,119/mo
Today · 4.125%
HK$120,840
baseline
▲ 0.50% · 4.625%
HK$127,210
+HK$6,370/mo
Deposit HK$15.06M · loan HK$22.60M · min. income ≈ HK$241,680/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,600,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,229
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$123,969
−HK$3,800/mo
Today · 4.125%
HK$127,769
baseline
▲ 0.50% · 4.625%
HK$135,543
+HK$7,774/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$255,538/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,754
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$137,341
−HK$3,639/mo
Today · 4.125%
HK$140,980
baseline
▲ 0.50% · 4.625%
HK$148,412
+HK$7,432/mo
Deposit HK$11.30M · loan HK$26.36M · min. income ≈ HK$281,960/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,581
−HK$9,693/mo
▼ 0.25% · 3.875%
HK$159,389
−HK$4,885/mo
Today · 4.125%
HK$164,274
baseline
▲ 0.50% · 4.625%
HK$174,270
+HK$9,996/mo
Deposit HK$3.77M · loan HK$33.90M · min. income ≈ HK$328,548/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,969
−HK$9,291/mo
▼ 0.25% · 3.875%
HK$176,582
−HK$4,678/mo
Today · 4.125%
HK$181,260
baseline
▲ 0.50% · 4.625%
HK$190,815
+HK$9,555/mo
Deposit HK$3.77M · loan HK$33.90M · min. income ≈ HK$362,520/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,619 · Scale 2, in force from 26 Feb 2026)