LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,946
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,619
−HK$2,716/mo
Today · 4.125%
HK$91,335
baseline
▲ 0.50% · 4.625%
HK$96,893
+HK$5,558/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,670/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,601,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,614
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,178
−HK$2,601/mo
Today · 4.125%
HK$100,779
baseline
▲ 0.50% · 4.625%
HK$106,091
+HK$5,312/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,558/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,601,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,135
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,343
−HK$3,259/mo
Today · 4.125%
HK$109,602
baseline
▲ 0.50% · 4.625%
HK$116,271
+HK$6,669/mo
Deposit HK$15.08M · loan HK$22.61M · min. income ≈ HK$219,204/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,736
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,813
−HK$3,122/mo
Today · 4.125%
HK$120,935
baseline
▲ 0.50% · 4.625%
HK$127,310
+HK$6,375/mo
Deposit HK$15.08M · loan HK$22.61M · min. income ≈ HK$241,870/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,324
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$124,067
−HK$3,802/mo
Today · 4.125%
HK$127,869
baseline
▲ 0.50% · 4.625%
HK$135,650
+HK$7,781/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$255,738/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,859
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$137,449
−HK$3,642/mo
Today · 4.125%
HK$141,091
baseline
▲ 0.50% · 4.625%
HK$148,528
+HK$7,437/mo
Deposit HK$11.31M · loan HK$26.38M · min. income ≈ HK$282,182/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,702
−HK$9,701/mo
▼ 0.25% · 3.875%
HK$159,514
−HK$4,889/mo
Today · 4.125%
HK$164,403
baseline
▲ 0.50% · 4.625%
HK$174,407
+HK$10,004/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$328,806/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,104
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$176,720
−HK$4,683/mo
Today · 4.125%
HK$181,403
baseline
▲ 0.50% · 4.625%
HK$190,965
+HK$9,562/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$362,806/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,875 · Scale 2, in force from 26 Feb 2026)