LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,003
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,678
−HK$2,718/mo
Today · 4.125%
HK$91,396
baseline
▲ 0.50% · 4.625%
HK$96,957
+HK$5,561/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$182,792/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,677
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,243
−HK$2,603/mo
Today · 4.125%
HK$100,846
baseline
▲ 0.50% · 4.625%
HK$106,162
+HK$5,316/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$201,692/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,203
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,414
−HK$3,261/mo
Today · 4.125%
HK$109,675
baseline
▲ 0.50% · 4.625%
HK$116,349
+HK$6,674/mo
Deposit HK$15.09M · loan HK$22.63M · min. income ≈ HK$219,350/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,813
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,892
−HK$3,124/mo
Today · 4.125%
HK$121,016
baseline
▲ 0.50% · 4.625%
HK$127,395
+HK$6,379/mo
Deposit HK$15.09M · loan HK$22.63M · min. income ≈ HK$242,032/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,404
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$124,149
−HK$3,805/mo
Today · 4.125%
HK$127,954
baseline
▲ 0.50% · 4.625%
HK$135,740
+HK$7,786/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$255,908/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,948
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$137,541
−HK$3,644/mo
Today · 4.125%
HK$141,185
baseline
▲ 0.50% · 4.625%
HK$148,627
+HK$7,442/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$282,370/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,805
−HK$9,708/mo
▼ 0.25% · 3.875%
HK$159,620
−HK$4,893/mo
Today · 4.125%
HK$164,513
baseline
▲ 0.50% · 4.625%
HK$174,523
+HK$10,010/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$329,026/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,219
−HK$9,304/mo
▼ 0.25% · 3.875%
HK$176,838
−HK$4,685/mo
Today · 4.125%
HK$181,523
baseline
▲ 0.50% · 4.625%
HK$191,092
+HK$9,569/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$363,046/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,942 · Scale 2, in force from 26 Feb 2026)