LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,922
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,595
−HK$2,715/mo
Today · 4.125%
HK$91,310
baseline
▲ 0.50% · 4.625%
HK$96,866
+HK$5,556/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$182,620/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,587
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,151
−HK$2,601/mo
Today · 4.125%
HK$100,752
baseline
▲ 0.50% · 4.625%
HK$106,062
+HK$5,310/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$201,504/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,106
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,314
−HK$3,258/mo
Today · 4.125%
HK$109,572
baseline
▲ 0.50% · 4.625%
HK$116,239
+HK$6,667/mo
Deposit HK$15.07M · loan HK$22.61M · min. income ≈ HK$219,144/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,601,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,705
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,781
−HK$3,121/mo
Today · 4.125%
HK$120,902
baseline
▲ 0.50% · 4.625%
HK$127,275
+HK$6,373/mo
Deposit HK$15.07M · loan HK$22.61M · min. income ≈ HK$241,804/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,601,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,291
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$124,033
−HK$3,801/mo
Today · 4.125%
HK$127,834
baseline
▲ 0.50% · 4.625%
HK$135,613
+HK$7,779/mo
Deposit HK$11.30M · loan HK$26.38M · min. income ≈ HK$255,668/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,822
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$137,411
−HK$3,641/mo
Today · 4.125%
HK$141,052
baseline
▲ 0.50% · 4.625%
HK$148,487
+HK$7,435/mo
Deposit HK$11.30M · loan HK$26.38M · min. income ≈ HK$282,104/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,660
−HK$9,698/mo
▼ 0.25% · 3.875%
HK$159,470
−HK$4,888/mo
Today · 4.125%
HK$164,358
baseline
▲ 0.50% · 4.625%
HK$174,359
+HK$10,001/mo
Deposit HK$3.77M · loan HK$33.91M · min. income ≈ HK$328,716/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,057
−HK$9,296/mo
▼ 0.25% · 3.875%
HK$176,672
−HK$4,681/mo
Today · 4.125%
HK$181,353
baseline
▲ 0.50% · 4.625%
HK$190,912
+HK$9,559/mo
Deposit HK$3.77M · loan HK$33.91M · min. income ≈ HK$362,706/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,437 · Scale 2, in force from 26 Feb 2026)