LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,965
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,639
−HK$2,717/mo
Today · 4.125%
HK$91,356
baseline
▲ 0.50% · 4.625%
HK$96,915
+HK$5,559/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,712/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,636
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,200
−HK$2,602/mo
Today · 4.125%
HK$100,802
baseline
▲ 0.50% · 4.625%
HK$106,116
+HK$5,314/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,604/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,158
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,367
−HK$3,260/mo
Today · 4.125%
HK$109,627
baseline
▲ 0.50% · 4.625%
HK$116,298
+HK$6,671/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$219,254/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,763
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,841
−HK$3,122/mo
Today · 4.125%
HK$120,963
baseline
▲ 0.50% · 4.625%
HK$127,339
+HK$6,376/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$241,926/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,351
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$124,095
−HK$3,804/mo
Today · 4.125%
HK$127,899
baseline
▲ 0.50% · 4.625%
HK$135,681
+HK$7,782/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$255,798/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,890
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$137,481
−HK$3,642/mo
Today · 4.125%
HK$141,123
baseline
▲ 0.50% · 4.625%
HK$148,562
+HK$7,439/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$282,246/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,738
−HK$9,703/mo
▼ 0.25% · 3.875%
HK$159,551
−HK$4,890/mo
Today · 4.125%
HK$164,441
baseline
▲ 0.50% · 4.625%
HK$174,447
+HK$10,006/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$328,882/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,144
−HK$9,300/mo
▼ 0.25% · 3.875%
HK$176,761
−HK$4,683/mo
Today · 4.125%
HK$181,444
baseline
▲ 0.50% · 4.625%
HK$191,009
+HK$9,565/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$362,888/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,243 · Scale 2, in force from 26 Feb 2026)