LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,886
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,558
−HK$2,714/mo
Today · 4.125%
HK$91,272
baseline
▲ 0.50% · 4.625%
HK$96,826
+HK$5,554/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$182,544/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,548
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,110
−HK$2,600/mo
Today · 4.125%
HK$100,710
baseline
▲ 0.50% · 4.625%
HK$106,018
+HK$5,308/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$201,420/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,064
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,269
−HK$3,258/mo
Today · 4.125%
HK$109,527
baseline
▲ 0.50% · 4.625%
HK$116,191
+HK$6,664/mo
Deposit HK$15.07M · loan HK$22.60M · min. income ≈ HK$219,054/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,600,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,657
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,732
−HK$3,120/mo
Today · 4.125%
HK$120,852
baseline
▲ 0.50% · 4.625%
HK$127,222
+HK$6,370/mo
Deposit HK$15.07M · loan HK$22.60M · min. income ≈ HK$241,704/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,600,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,241
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$123,981
−HK$3,800/mo
Today · 4.125%
HK$127,781
baseline
▲ 0.50% · 4.625%
HK$135,556
+HK$7,775/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$255,562/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,767
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$137,354
−HK$3,640/mo
Today · 4.125%
HK$140,994
baseline
▲ 0.50% · 4.625%
HK$148,426
+HK$7,432/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$281,988/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,595
−HK$9,695/mo
▼ 0.25% · 3.875%
HK$159,404
−HK$4,886/mo
Today · 4.125%
HK$164,290
baseline
▲ 0.50% · 4.625%
HK$174,286
+HK$9,996/mo
Deposit HK$3.77M · loan HK$33.90M · min. income ≈ HK$328,580/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,986
−HK$9,292/mo
▼ 0.25% · 3.875%
HK$176,598
−HK$4,680/mo
Today · 4.125%
HK$181,278
baseline
▲ 0.50% · 4.625%
HK$190,833
+HK$9,555/mo
Deposit HK$3.77M · loan HK$33.90M · min. income ≈ HK$362,556/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,771 · Scale 2, in force from 26 Feb 2026)