LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,031
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,707
−HK$2,719/mo
Today · 4.125%
HK$91,426
baseline
▲ 0.50% · 4.625%
HK$96,989
+HK$5,563/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$182,852/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,709
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,276
−HK$2,604/mo
Today · 4.125%
HK$100,880
baseline
▲ 0.50% · 4.625%
HK$106,197
+HK$5,317/mo
Deposit HK$18.86M · loan HK$18.86M · min. income ≈ HK$201,760/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,238
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$106,449
−HK$3,262/mo
Today · 4.125%
HK$109,711
baseline
▲ 0.50% · 4.625%
HK$116,387
+HK$6,676/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$219,422/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,603,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,851
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,931
−HK$3,125/mo
Today · 4.125%
HK$121,056
baseline
▲ 0.50% · 4.625%
HK$127,437
+HK$6,381/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$242,112/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,603,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,444
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$124,190
−HK$3,807/mo
Today · 4.125%
HK$127,997
baseline
▲ 0.50% · 4.625%
HK$135,785
+HK$7,788/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$255,994/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,993
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$137,586
−HK$3,646/mo
Today · 4.125%
HK$141,232
baseline
▲ 0.50% · 4.625%
HK$148,676
+HK$7,444/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$282,464/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,856
−HK$9,711/mo
▼ 0.25% · 3.875%
HK$159,673
−HK$4,894/mo
Today · 4.125%
HK$164,567
baseline
▲ 0.50% · 4.625%
HK$174,581
+HK$10,014/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$329,134/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,276
−HK$9,308/mo
▼ 0.25% · 3.875%
HK$176,896
−HK$4,688/mo
Today · 4.125%
HK$181,584
baseline
▲ 0.50% · 4.625%
HK$191,155
+HK$9,571/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$363,168/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,474 · Scale 2, in force from 26 Feb 2026)