LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,982
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,657
−HK$2,717/mo
Today · 4.125%
HK$91,374
baseline
▲ 0.50% · 4.625%
HK$96,934
+HK$5,560/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,748/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,654
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,220
−HK$2,602/mo
Today · 4.125%
HK$100,822
baseline
▲ 0.50% · 4.625%
HK$106,137
+HK$5,315/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,644/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,179
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,388
−HK$3,261/mo
Today · 4.125%
HK$109,649
baseline
▲ 0.50% · 4.625%
HK$116,321
+HK$6,672/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$219,298/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,785
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,864
−HK$3,123/mo
Today · 4.125%
HK$120,987
baseline
▲ 0.50% · 4.625%
HK$127,364
+HK$6,377/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$241,974/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,375
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$124,119
−HK$3,805/mo
Today · 4.125%
HK$127,924
baseline
▲ 0.50% · 4.625%
HK$135,707
+HK$7,783/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$255,848/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,916
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$137,508
−HK$3,643/mo
Today · 4.125%
HK$141,151
baseline
▲ 0.50% · 4.625%
HK$148,591
+HK$7,440/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$282,302/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,768
−HK$9,705/mo
▼ 0.25% · 3.875%
HK$159,582
−HK$4,891/mo
Today · 4.125%
HK$164,473
baseline
▲ 0.50% · 4.625%
HK$174,481
+HK$10,008/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$328,946/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,178
−HK$9,302/mo
▼ 0.25% · 3.875%
HK$176,795
−HK$4,685/mo
Today · 4.125%
HK$181,480
baseline
▲ 0.50% · 4.625%
HK$191,046
+HK$9,566/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$362,960/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,558 · Scale 2, in force from 26 Feb 2026)