LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,020
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,695
−HK$2,719/mo
Today · 4.125%
HK$91,414
baseline
▲ 0.50% · 4.625%
HK$96,976
+HK$5,562/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$182,828/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,696
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,263
−HK$2,603/mo
Today · 4.125%
HK$100,866
baseline
▲ 0.50% · 4.625%
HK$106,183
+HK$5,317/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$201,732/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,224
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$106,435
−HK$3,262/mo
Today · 4.125%
HK$109,697
baseline
▲ 0.50% · 4.625%
HK$116,372
+HK$6,675/mo
Deposit HK$15.09M · loan HK$22.63M · min. income ≈ HK$219,394/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,603,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,835
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,915
−HK$3,125/mo
Today · 4.125%
HK$121,040
baseline
▲ 0.50% · 4.625%
HK$127,420
+HK$6,380/mo
Deposit HK$15.09M · loan HK$22.63M · min. income ≈ HK$242,080/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,603,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,428
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$124,174
−HK$3,806/mo
Today · 4.125%
HK$127,980
baseline
▲ 0.50% · 4.625%
HK$135,767
+HK$7,787/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$255,960/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,975
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$137,568
−HK$3,645/mo
Today · 4.125%
HK$141,213
baseline
▲ 0.50% · 4.625%
HK$148,656
+HK$7,443/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$282,426/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,836
−HK$9,709/mo
▼ 0.25% · 3.875%
HK$159,652
−HK$4,893/mo
Today · 4.125%
HK$164,545
baseline
▲ 0.50% · 4.625%
HK$174,557
+HK$10,012/mo
Deposit HK$3.77M · loan HK$33.95M · min. income ≈ HK$329,090/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,253
−HK$9,306/mo
▼ 0.25% · 3.875%
HK$176,873
−HK$4,686/mo
Today · 4.125%
HK$181,559
baseline
▲ 0.50% · 4.625%
HK$191,130
+HK$9,571/mo
Deposit HK$3.77M · loan HK$33.95M · min. income ≈ HK$363,118/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,258 · Scale 2, in force from 26 Feb 2026)