LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,903
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,575
−HK$2,715/mo
Today · 4.125%
HK$91,290
baseline
▲ 0.50% · 4.625%
HK$96,845
+HK$5,555/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$182,580/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,566
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,129
−HK$2,600/mo
Today · 4.125%
HK$100,729
baseline
▲ 0.50% · 4.625%
HK$106,039
+HK$5,310/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$201,458/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,084
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$106,290
−HK$3,258/mo
Today · 4.125%
HK$109,548
baseline
▲ 0.50% · 4.625%
HK$116,213
+HK$6,665/mo
Deposit HK$15.07M · loan HK$22.60M · min. income ≈ HK$219,096/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,601,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,679
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,755
−HK$3,120/mo
Today · 4.125%
HK$120,875
baseline
▲ 0.50% · 4.625%
HK$127,247
+HK$6,372/mo
Deposit HK$15.07M · loan HK$22.60M · min. income ≈ HK$241,750/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,601,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,264
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$124,005
−HK$3,801/mo
Today · 4.125%
HK$127,806
baseline
▲ 0.50% · 4.625%
HK$135,582
+HK$7,776/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$255,612/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,601,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,793
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$137,381
−HK$3,640/mo
Today · 4.125%
HK$141,021
baseline
▲ 0.50% · 4.625%
HK$148,454
+HK$7,433/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$282,042/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,601,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,625
−HK$9,697/mo
▼ 0.25% · 3.875%
HK$159,435
−HK$4,887/mo
Today · 4.125%
HK$164,322
baseline
▲ 0.50% · 4.625%
HK$174,320
+HK$9,998/mo
Deposit HK$3.77M · loan HK$33.91M · min. income ≈ HK$328,644/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,019
−HK$9,294/mo
▼ 0.25% · 3.875%
HK$176,633
−HK$4,680/mo
Today · 4.125%
HK$181,313
baseline
▲ 0.50% · 4.625%
HK$190,870
+HK$9,557/mo
Deposit HK$3.77M · loan HK$33.91M · min. income ≈ HK$362,626/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,081 · Scale 2, in force from 26 Feb 2026)