LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,978
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,652
−HK$2,717/mo
Today · 4.125%
HK$91,369
baseline
▲ 0.50% · 4.625%
HK$96,929
+HK$5,560/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,738/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,649
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,215
−HK$2,602/mo
Today · 4.125%
HK$100,817
baseline
▲ 0.50% · 4.625%
HK$106,131
+HK$5,314/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,634/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,173
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,383
−HK$3,260/mo
Today · 4.125%
HK$109,643
baseline
▲ 0.50% · 4.625%
HK$116,315
+HK$6,672/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$219,286/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,779
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,858
−HK$3,123/mo
Today · 4.125%
HK$120,981
baseline
▲ 0.50% · 4.625%
HK$127,358
+HK$6,377/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$241,962/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,369
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$124,113
−HK$3,804/mo
Today · 4.125%
HK$127,917
baseline
▲ 0.50% · 4.625%
HK$135,701
+HK$7,784/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$255,834/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,909
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$137,501
−HK$3,643/mo
Today · 4.125%
HK$141,144
baseline
▲ 0.50% · 4.625%
HK$148,584
+HK$7,440/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$282,288/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,760
−HK$9,705/mo
▼ 0.25% · 3.875%
HK$159,574
−HK$4,891/mo
Today · 4.125%
HK$164,465
baseline
▲ 0.50% · 4.625%
HK$174,472
+HK$10,007/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$328,930/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,169
−HK$9,302/mo
▼ 0.25% · 3.875%
HK$176,787
−HK$4,684/mo
Today · 4.125%
HK$181,471
baseline
▲ 0.50% · 4.625%
HK$191,036
+HK$9,565/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$362,942/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,477 · Scale 2, in force from 26 Feb 2026)