LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,952
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,626
−HK$2,716/mo
Today · 4.125%
HK$91,342
baseline
▲ 0.50% · 4.625%
HK$96,900
+HK$5,558/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,684/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,601,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,621
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,185
−HK$2,602/mo
Today · 4.125%
HK$100,787
baseline
▲ 0.50% · 4.625%
HK$106,100
+HK$5,313/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,574/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,601,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,143
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,351
−HK$3,260/mo
Today · 4.125%
HK$109,611
baseline
▲ 0.50% · 4.625%
HK$116,280
+HK$6,669/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$219,222/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,745
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,822
−HK$3,122/mo
Today · 4.125%
HK$120,944
baseline
▲ 0.50% · 4.625%
HK$127,320
+HK$6,376/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$241,888/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,601,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,333
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$124,076
−HK$3,803/mo
Today · 4.125%
HK$127,879
baseline
▲ 0.50% · 4.625%
HK$135,660
+HK$7,781/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$255,758/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,869
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$137,460
−HK$3,642/mo
Today · 4.125%
HK$141,102
baseline
▲ 0.50% · 4.625%
HK$148,539
+HK$7,437/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$282,204/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,601,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,714
−HK$9,702/mo
▼ 0.25% · 3.875%
HK$159,526
−HK$4,890/mo
Today · 4.125%
HK$164,416
baseline
▲ 0.50% · 4.625%
HK$174,420
+HK$10,004/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$328,832/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,118
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$176,734
−HK$4,683/mo
Today · 4.125%
HK$181,417
baseline
▲ 0.50% · 4.625%
HK$190,979
+HK$9,562/mo
Deposit HK$3.77M · loan HK$33.92M · min. income ≈ HK$362,834/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,601,998 · Scale 2, in force from 26 Feb 2026)