LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,976
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,650
−HK$2,717/mo
Today · 4.125%
HK$91,367
baseline
▲ 0.50% · 4.625%
HK$96,927
+HK$5,560/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,734/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,647
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,212
−HK$2,603/mo
Today · 4.125%
HK$100,815
baseline
▲ 0.50% · 4.625%
HK$106,129
+HK$5,314/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,630/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,171
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,380
−HK$3,261/mo
Today · 4.125%
HK$109,641
baseline
▲ 0.50% · 4.625%
HK$116,312
+HK$6,671/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$219,282/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,777
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,855
−HK$3,123/mo
Today · 4.125%
HK$120,978
baseline
▲ 0.50% · 4.625%
HK$127,355
+HK$6,377/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$241,956/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,366
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$124,110
−HK$3,804/mo
Today · 4.125%
HK$127,914
baseline
▲ 0.50% · 4.625%
HK$135,697
+HK$7,783/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$255,828/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,906
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$137,497
−HK$3,644/mo
Today · 4.125%
HK$141,141
baseline
▲ 0.50% · 4.625%
HK$148,580
+HK$7,439/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$282,282/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,757
−HK$9,704/mo
▼ 0.25% · 3.875%
HK$159,570
−HK$4,891/mo
Today · 4.125%
HK$164,461
baseline
▲ 0.50% · 4.625%
HK$174,468
+HK$10,007/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$328,922/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,165
−HK$9,302/mo
▼ 0.25% · 3.875%
HK$176,782
−HK$4,685/mo
Today · 4.125%
HK$181,467
baseline
▲ 0.50% · 4.625%
HK$191,032
+HK$9,565/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$362,934/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,440 · Scale 2, in force from 26 Feb 2026)