LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,004
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,679
−HK$2,718/mo
Today · 4.125%
HK$91,397
baseline
▲ 0.50% · 4.625%
HK$96,958
+HK$5,561/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$182,794/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,678
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,244
−HK$2,604/mo
Today · 4.125%
HK$100,848
baseline
▲ 0.50% · 4.625%
HK$106,163
+HK$5,315/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$201,696/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,205
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,415
−HK$3,261/mo
Today · 4.125%
HK$109,676
baseline
▲ 0.50% · 4.625%
HK$116,350
+HK$6,674/mo
Deposit HK$15.09M · loan HK$22.63M · min. income ≈ HK$219,352/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,814
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,893
−HK$3,124/mo
Today · 4.125%
HK$121,017
baseline
▲ 0.50% · 4.625%
HK$127,396
+HK$6,379/mo
Deposit HK$15.09M · loan HK$22.63M · min. income ≈ HK$242,034/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,405
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$124,151
−HK$3,805/mo
Today · 4.125%
HK$127,956
baseline
▲ 0.50% · 4.625%
HK$135,742
+HK$7,786/mo
Deposit HK$11.32M · loan HK$26.40M · min. income ≈ HK$255,912/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,950
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$137,542
−HK$3,645/mo
Today · 4.125%
HK$141,187
baseline
▲ 0.50% · 4.625%
HK$148,629
+HK$7,442/mo
Deposit HK$11.32M · loan HK$26.40M · min. income ≈ HK$282,374/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,807
−HK$9,708/mo
▼ 0.25% · 3.875%
HK$159,622
−HK$4,893/mo
Today · 4.125%
HK$164,515
baseline
▲ 0.50% · 4.625%
HK$174,525
+HK$10,010/mo
Deposit HK$3.77M · loan HK$33.95M · min. income ≈ HK$329,030/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,221
−HK$9,305/mo
▼ 0.25% · 3.875%
HK$176,840
−HK$4,686/mo
Today · 4.125%
HK$181,526
baseline
▲ 0.50% · 4.625%
HK$191,094
+HK$9,568/mo
Deposit HK$3.77M · loan HK$33.95M · min. income ≈ HK$363,052/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,962 · Scale 2, in force from 26 Feb 2026)