LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,889
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,561
−HK$2,714/mo
Today · 4.125%
HK$91,275
baseline
▲ 0.50% · 4.625%
HK$96,829
+HK$5,554/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$182,550/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,551
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,114
−HK$2,599/mo
Today · 4.125%
HK$100,713
baseline
▲ 0.50% · 4.625%
HK$106,022
+HK$5,309/mo
Deposit HK$18.83M · loan HK$18.83M · min. income ≈ HK$201,426/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,600,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,067
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,273
−HK$3,257/mo
Today · 4.125%
HK$109,530
baseline
▲ 0.50% · 4.625%
HK$116,195
+HK$6,665/mo
Deposit HK$15.07M · loan HK$22.60M · min. income ≈ HK$219,060/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,600,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,661
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,736
−HK$3,120/mo
Today · 4.125%
HK$120,856
baseline
▲ 0.50% · 4.625%
HK$127,226
+HK$6,370/mo
Deposit HK$15.07M · loan HK$22.60M · min. income ≈ HK$241,712/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,600,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,245
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$123,985
−HK$3,800/mo
Today · 4.125%
HK$127,785
baseline
▲ 0.50% · 4.625%
HK$135,561
+HK$7,776/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$255,570/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,771
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$137,359
−HK$3,640/mo
Today · 4.125%
HK$140,999
baseline
▲ 0.50% · 4.625%
HK$148,431
+HK$7,432/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$281,998/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,600,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,601
−HK$9,694/mo
▼ 0.25% · 3.875%
HK$159,410
−HK$4,885/mo
Today · 4.125%
HK$164,295
baseline
▲ 0.50% · 4.625%
HK$174,292
+HK$9,997/mo
Deposit HK$3.77M · loan HK$33.90M · min. income ≈ HK$328,590/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,992
−HK$9,292/mo
▼ 0.25% · 3.875%
HK$176,604
−HK$4,680/mo
Today · 4.125%
HK$181,284
baseline
▲ 0.50% · 4.625%
HK$190,840
+HK$9,556/mo
Deposit HK$3.77M · loan HK$33.90M · min. income ≈ HK$362,568/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,600,826 · Scale 2, in force from 26 Feb 2026)