LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,030
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,706
−HK$2,718/mo
Today · 4.125%
HK$91,424
baseline
▲ 0.50% · 4.625%
HK$96,987
+HK$5,563/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$182,848/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,707
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,274
−HK$2,604/mo
Today · 4.125%
HK$100,878
baseline
▲ 0.50% · 4.625%
HK$106,195
+HK$5,317/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$201,756/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,235
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$106,447
−HK$3,262/mo
Today · 4.125%
HK$109,709
baseline
▲ 0.50% · 4.625%
HK$116,385
+HK$6,676/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$219,418/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,603,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,848
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,929
−HK$3,124/mo
Today · 4.125%
HK$121,053
baseline
▲ 0.50% · 4.625%
HK$127,434
+HK$6,381/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$242,106/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,603,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,441
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$124,188
−HK$3,806/mo
Today · 4.125%
HK$127,994
baseline
▲ 0.50% · 4.625%
HK$135,782
+HK$7,788/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$255,988/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,990
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$137,583
−HK$3,646/mo
Today · 4.125%
HK$141,229
baseline
▲ 0.50% · 4.625%
HK$148,673
+HK$7,444/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$282,458/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,853
−HK$9,711/mo
▼ 0.25% · 3.875%
HK$159,670
−HK$4,894/mo
Today · 4.125%
HK$164,564
baseline
▲ 0.50% · 4.625%
HK$174,577
+HK$10,013/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$329,128/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,273
−HK$9,307/mo
▼ 0.25% · 3.875%
HK$176,893
−HK$4,687/mo
Today · 4.125%
HK$181,580
baseline
▲ 0.50% · 4.625%
HK$191,151
+HK$9,571/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$363,160/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,440 · Scale 2, in force from 26 Feb 2026)