LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,915
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,587
−HK$2,715/mo
Today · 4.125%
HK$91,302
baseline
▲ 0.50% · 4.625%
HK$96,858
+HK$5,556/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$182,604/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,579
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,142
−HK$2,601/mo
Today · 4.125%
HK$100,743
baseline
▲ 0.50% · 4.625%
HK$106,053
+HK$5,310/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$201,486/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,097
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,304
−HK$3,259/mo
Today · 4.125%
HK$109,563
baseline
▲ 0.50% · 4.625%
HK$116,229
+HK$6,666/mo
Deposit HK$15.07M · loan HK$22.61M · min. income ≈ HK$219,126/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,601,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,695
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,771
−HK$3,121/mo
Today · 4.125%
HK$120,892
baseline
▲ 0.50% · 4.625%
HK$127,264
+HK$6,372/mo
Deposit HK$15.07M · loan HK$22.61M · min. income ≈ HK$241,784/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,601,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,280
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$124,022
−HK$3,801/mo
Today · 4.125%
HK$127,823
baseline
▲ 0.50% · 4.625%
HK$135,601
+HK$7,778/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$255,646/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,601,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,811
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$137,399
−HK$3,641/mo
Today · 4.125%
HK$141,040
baseline
▲ 0.50% · 4.625%
HK$148,475
+HK$7,435/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$282,080/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,601,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,646
−HK$9,698/mo
▼ 0.25% · 3.875%
HK$159,457
−HK$4,887/mo
Today · 4.125%
HK$164,344
baseline
▲ 0.50% · 4.625%
HK$174,344
+HK$10,000/mo
Deposit HK$3.77M · loan HK$33.91M · min. income ≈ HK$328,688/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,042
−HK$9,295/mo
▼ 0.25% · 3.875%
HK$176,656
−HK$4,681/mo
Today · 4.125%
HK$181,337
baseline
▲ 0.50% · 4.625%
HK$190,896
+HK$9,559/mo
Deposit HK$3.77M · loan HK$33.91M · min. income ≈ HK$362,674/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,298 · Scale 2, in force from 26 Feb 2026)