LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,935
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,608
−HK$2,716/mo
Today · 4.125%
HK$91,324
baseline
▲ 0.50% · 4.625%
HK$96,881
+HK$5,557/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$182,648/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,602
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,166
−HK$2,601/mo
Today · 4.125%
HK$100,767
baseline
▲ 0.50% · 4.625%
HK$106,079
+HK$5,312/mo
Deposit HK$18.84M · loan HK$18.84M · min. income ≈ HK$201,534/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,601,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,122
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,330
−HK$3,259/mo
Today · 4.125%
HK$109,589
baseline
▲ 0.50% · 4.625%
HK$116,257
+HK$6,668/mo
Deposit HK$15.07M · loan HK$22.61M · min. income ≈ HK$219,178/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,722
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,799
−HK$3,121/mo
Today · 4.125%
HK$120,920
baseline
▲ 0.50% · 4.625%
HK$127,294
+HK$6,374/mo
Deposit HK$15.07M · loan HK$22.61M · min. income ≈ HK$241,840/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,309
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$124,051
−HK$3,803/mo
Today · 4.125%
HK$127,854
baseline
▲ 0.50% · 4.625%
HK$135,633
+HK$7,779/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$255,708/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,843
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$137,432
−HK$3,642/mo
Today · 4.125%
HK$141,074
baseline
▲ 0.50% · 4.625%
HK$148,510
+HK$7,436/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$282,148/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,683
−HK$9,700/mo
▼ 0.25% · 3.875%
HK$159,495
−HK$4,888/mo
Today · 4.125%
HK$164,383
baseline
▲ 0.50% · 4.625%
HK$174,385
+HK$10,002/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$328,766/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,083
−HK$9,298/mo
▼ 0.25% · 3.875%
HK$176,699
−HK$4,682/mo
Today · 4.125%
HK$181,381
baseline
▲ 0.50% · 4.625%
HK$190,941
+HK$9,560/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$362,762/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,680 · Scale 2, in force from 26 Feb 2026)