LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,916
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,589
−HK$2,715/mo
Today · 4.125%
HK$91,304
baseline
▲ 0.50% · 4.625%
HK$96,859
+HK$5,555/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$182,608/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,581
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,144
−HK$2,601/mo
Today · 4.125%
HK$100,745
baseline
▲ 0.50% · 4.625%
HK$106,055
+HK$5,310/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$201,490/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,099
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,306
−HK$3,259/mo
Today · 4.125%
HK$109,565
baseline
▲ 0.50% · 4.625%
HK$116,231
+HK$6,666/mo
Deposit HK$15.07M · loan HK$22.61M · min. income ≈ HK$219,130/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,601,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,697
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,773
−HK$3,121/mo
Today · 4.125%
HK$120,894
baseline
▲ 0.50% · 4.625%
HK$127,266
+HK$6,372/mo
Deposit HK$15.07M · loan HK$22.61M · min. income ≈ HK$241,788/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,601,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,283
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$124,024
−HK$3,801/mo
Today · 4.125%
HK$127,825
baseline
▲ 0.50% · 4.625%
HK$135,603
+HK$7,778/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$255,650/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,601,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,813
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$137,402
−HK$3,641/mo
Today · 4.125%
HK$141,043
baseline
▲ 0.50% · 4.625%
HK$148,477
+HK$7,434/mo
Deposit HK$11.30M · loan HK$26.37M · min. income ≈ HK$282,086/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,601,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,649
−HK$9,698/mo
▼ 0.25% · 3.875%
HK$159,460
−HK$4,887/mo
Today · 4.125%
HK$164,347
baseline
▲ 0.50% · 4.625%
HK$174,347
+HK$10,000/mo
Deposit HK$3.77M · loan HK$33.91M · min. income ≈ HK$328,694/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,046
−HK$9,295/mo
▼ 0.25% · 3.875%
HK$176,660
−HK$4,681/mo
Today · 4.125%
HK$181,341
baseline
▲ 0.50% · 4.625%
HK$190,899
+HK$9,558/mo
Deposit HK$3.77M · loan HK$33.91M · min. income ≈ HK$362,682/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,328 · Scale 2, in force from 26 Feb 2026)