LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,930
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,603
−HK$2,716/mo
Today · 4.125%
HK$91,319
baseline
▲ 0.50% · 4.625%
HK$96,875
+HK$5,556/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$182,638/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,597
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,160
−HK$2,601/mo
Today · 4.125%
HK$100,761
baseline
▲ 0.50% · 4.625%
HK$106,073
+HK$5,312/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$201,522/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,116
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,324
−HK$3,259/mo
Today · 4.125%
HK$109,583
baseline
▲ 0.50% · 4.625%
HK$116,251
+HK$6,668/mo
Deposit HK$15.07M · loan HK$22.61M · min. income ≈ HK$219,166/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,716
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,793
−HK$3,121/mo
Today · 4.125%
HK$120,914
baseline
▲ 0.50% · 4.625%
HK$127,287
+HK$6,373/mo
Deposit HK$15.07M · loan HK$22.61M · min. income ≈ HK$241,828/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,302
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$124,045
−HK$3,801/mo
Today · 4.125%
HK$127,846
baseline
▲ 0.50% · 4.625%
HK$135,626
+HK$7,780/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$255,692/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,835
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$137,425
−HK$3,641/mo
Today · 4.125%
HK$141,066
baseline
▲ 0.50% · 4.625%
HK$148,502
+HK$7,436/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$282,132/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,675
−HK$9,699/mo
▼ 0.25% · 3.875%
HK$159,486
−HK$4,888/mo
Today · 4.125%
HK$164,374
baseline
▲ 0.50% · 4.625%
HK$174,376
+HK$10,002/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$328,748/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,074
−HK$9,297/mo
▼ 0.25% · 3.875%
HK$176,689
−HK$4,682/mo
Today · 4.125%
HK$181,371
baseline
▲ 0.50% · 4.625%
HK$190,931
+HK$9,560/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$362,742/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,591 · Scale 2, in force from 26 Feb 2026)