LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,031
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,707
−HK$2,718/mo
Today · 4.125%
HK$91,425
baseline
▲ 0.50% · 4.625%
HK$96,988
+HK$5,563/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$182,850/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,708
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,275
−HK$2,604/mo
Today · 4.125%
HK$100,879
baseline
▲ 0.50% · 4.625%
HK$106,196
+HK$5,317/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$201,758/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,237
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$106,448
−HK$3,262/mo
Today · 4.125%
HK$109,710
baseline
▲ 0.50% · 4.625%
HK$116,386
+HK$6,676/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$219,420/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,603,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,850
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,930
−HK$3,125/mo
Today · 4.125%
HK$121,055
baseline
▲ 0.50% · 4.625%
HK$127,436
+HK$6,381/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$242,110/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,603,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,443
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$124,189
−HK$3,807/mo
Today · 4.125%
HK$127,996
baseline
▲ 0.50% · 4.625%
HK$135,784
+HK$7,788/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$255,992/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,991
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$137,585
−HK$3,645/mo
Today · 4.125%
HK$141,230
baseline
▲ 0.50% · 4.625%
HK$148,675
+HK$7,445/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$282,460/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,855
−HK$9,711/mo
▼ 0.25% · 3.875%
HK$159,672
−HK$4,894/mo
Today · 4.125%
HK$164,566
baseline
▲ 0.50% · 4.625%
HK$174,579
+HK$10,013/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$329,132/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,275
−HK$9,307/mo
▼ 0.25% · 3.875%
HK$176,895
−HK$4,687/mo
Today · 4.125%
HK$181,582
baseline
▲ 0.50% · 4.625%
HK$191,153
+HK$9,571/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$363,164/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,459 · Scale 2, in force from 26 Feb 2026)