LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,966
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,640
−HK$2,717/mo
Today · 4.125%
HK$91,357
baseline
▲ 0.50% · 4.625%
HK$96,916
+HK$5,559/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,714/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,637
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,202
−HK$2,602/mo
Today · 4.125%
HK$100,804
baseline
▲ 0.50% · 4.625%
HK$106,117
+HK$5,313/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,608/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,160
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,369
−HK$3,260/mo
Today · 4.125%
HK$109,629
baseline
▲ 0.50% · 4.625%
HK$116,299
+HK$6,670/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$219,258/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,764
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,842
−HK$3,123/mo
Today · 4.125%
HK$120,965
baseline
▲ 0.50% · 4.625%
HK$127,341
+HK$6,376/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$241,930/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,353
−HK$7,547/mo
▼ 0.25% · 3.875%
HK$124,097
−HK$3,803/mo
Today · 4.125%
HK$127,900
baseline
▲ 0.50% · 4.625%
HK$135,683
+HK$7,783/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$255,800/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,892
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$137,482
−HK$3,643/mo
Today · 4.125%
HK$141,125
baseline
▲ 0.50% · 4.625%
HK$148,564
+HK$7,439/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$282,250/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,740
−HK$9,703/mo
▼ 0.25% · 3.875%
HK$159,553
−HK$4,890/mo
Today · 4.125%
HK$164,443
baseline
▲ 0.50% · 4.625%
HK$174,449
+HK$10,006/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$328,886/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,146
−HK$9,301/mo
▼ 0.25% · 3.875%
HK$176,763
−HK$4,684/mo
Today · 4.125%
HK$181,447
baseline
▲ 0.50% · 4.625%
HK$191,011
+HK$9,564/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$362,894/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,265 · Scale 2, in force from 26 Feb 2026)