LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,924
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,597
−HK$2,715/mo
Today · 4.125%
HK$91,312
baseline
▲ 0.50% · 4.625%
HK$96,868
+HK$5,556/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$182,624/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,590
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,153
−HK$2,601/mo
Today · 4.125%
HK$100,754
baseline
▲ 0.50% · 4.625%
HK$106,065
+HK$5,311/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$201,508/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,109
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,316
−HK$3,259/mo
Today · 4.125%
HK$109,575
baseline
▲ 0.50% · 4.625%
HK$116,242
+HK$6,667/mo
Deposit HK$15.07M · loan HK$22.61M · min. income ≈ HK$219,150/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,601,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,707
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,784
−HK$3,121/mo
Today · 4.125%
HK$120,905
baseline
▲ 0.50% · 4.625%
HK$127,278
+HK$6,373/mo
Deposit HK$15.07M · loan HK$22.61M · min. income ≈ HK$241,810/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,601,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,294
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$124,035
−HK$3,802/mo
Today · 4.125%
HK$127,837
baseline
▲ 0.50% · 4.625%
HK$135,616
+HK$7,779/mo
Deposit HK$11.30M · loan HK$26.38M · min. income ≈ HK$255,674/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,825
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$137,415
−HK$3,641/mo
Today · 4.125%
HK$141,056
baseline
▲ 0.50% · 4.625%
HK$148,491
+HK$7,435/mo
Deposit HK$11.30M · loan HK$26.38M · min. income ≈ HK$282,112/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,663
−HK$9,699/mo
▼ 0.25% · 3.875%
HK$159,474
−HK$4,888/mo
Today · 4.125%
HK$164,362
baseline
▲ 0.50% · 4.625%
HK$174,363
+HK$10,001/mo
Deposit HK$3.77M · loan HK$33.91M · min. income ≈ HK$328,724/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,061
−HK$9,296/mo
▼ 0.25% · 3.875%
HK$176,676
−HK$4,681/mo
Today · 4.125%
HK$181,357
baseline
▲ 0.50% · 4.625%
HK$190,917
+HK$9,560/mo
Deposit HK$3.77M · loan HK$33.91M · min. income ≈ HK$362,714/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,474 · Scale 2, in force from 26 Feb 2026)