LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,944
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,617
−HK$2,716/mo
Today · 4.125%
HK$91,333
baseline
▲ 0.50% · 4.625%
HK$96,891
+HK$5,558/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,666/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,601,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,612
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,176
−HK$2,601/mo
Today · 4.125%
HK$100,777
baseline
▲ 0.50% · 4.625%
HK$106,089
+HK$5,312/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,554/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,601,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,132
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,340
−HK$3,260/mo
Today · 4.125%
HK$109,600
baseline
▲ 0.50% · 4.625%
HK$116,269
+HK$6,669/mo
Deposit HK$15.08M · loan HK$22.61M · min. income ≈ HK$219,200/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,734
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,811
−HK$3,122/mo
Today · 4.125%
HK$120,933
baseline
▲ 0.50% · 4.625%
HK$127,307
+HK$6,374/mo
Deposit HK$15.08M · loan HK$22.61M · min. income ≈ HK$241,866/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,321
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$124,064
−HK$3,802/mo
Today · 4.125%
HK$127,866
baseline
▲ 0.50% · 4.625%
HK$135,647
+HK$7,781/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$255,732/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,856
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$137,446
−HK$3,642/mo
Today · 4.125%
HK$141,088
baseline
▲ 0.50% · 4.625%
HK$148,525
+HK$7,437/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$282,176/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,699
−HK$9,701/mo
▼ 0.25% · 3.875%
HK$159,511
−HK$4,889/mo
Today · 4.125%
HK$164,400
baseline
▲ 0.50% · 4.625%
HK$174,403
+HK$10,003/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$328,800/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,101
−HK$9,298/mo
▼ 0.25% · 3.875%
HK$176,716
−HK$4,683/mo
Today · 4.125%
HK$181,399
baseline
▲ 0.50% · 4.625%
HK$190,961
+HK$9,562/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$362,798/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,842 · Scale 2, in force from 26 Feb 2026)