LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,985
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,659
−HK$2,718/mo
Today · 4.125%
HK$91,377
baseline
▲ 0.50% · 4.625%
HK$96,937
+HK$5,560/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,754/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,657
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,223
−HK$2,602/mo
Today · 4.125%
HK$100,825
baseline
▲ 0.50% · 4.625%
HK$106,140
+HK$5,315/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,650/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,182
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,391
−HK$3,261/mo
Today · 4.125%
HK$109,652
baseline
▲ 0.50% · 4.625%
HK$116,324
+HK$6,672/mo
Deposit HK$15.08M · loan HK$22.63M · min. income ≈ HK$219,304/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,789
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,867
−HK$3,123/mo
Today · 4.125%
HK$120,990
baseline
▲ 0.50% · 4.625%
HK$127,368
+HK$6,378/mo
Deposit HK$15.08M · loan HK$22.63M · min. income ≈ HK$241,980/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,379
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$124,123
−HK$3,805/mo
Today · 4.125%
HK$127,928
baseline
▲ 0.50% · 4.625%
HK$135,712
+HK$7,784/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$255,856/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,920
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$137,512
−HK$3,644/mo
Today · 4.125%
HK$141,156
baseline
▲ 0.50% · 4.625%
HK$148,596
+HK$7,440/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$282,312/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,773
−HK$9,705/mo
▼ 0.25% · 3.875%
HK$159,587
−HK$4,891/mo
Today · 4.125%
HK$164,478
baseline
▲ 0.50% · 4.625%
HK$174,487
+HK$10,009/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$328,956/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,183
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$176,801
−HK$4,685/mo
Today · 4.125%
HK$181,486
baseline
▲ 0.50% · 4.625%
HK$191,052
+HK$9,566/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$362,972/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,608 · Scale 2, in force from 26 Feb 2026)