LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,035
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,711
−HK$2,719/mo
Today · 4.125%
HK$91,430
baseline
▲ 0.50% · 4.625%
HK$96,993
+HK$5,563/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$182,860/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,713
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,280
−HK$2,604/mo
Today · 4.125%
HK$100,884
baseline
▲ 0.50% · 4.625%
HK$106,201
+HK$5,317/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$201,768/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,241
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,453
−HK$3,263/mo
Today · 4.125%
HK$109,716
baseline
▲ 0.50% · 4.625%
HK$116,392
+HK$6,676/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$219,432/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,603,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,855
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,935
−HK$3,125/mo
Today · 4.125%
HK$121,060
baseline
▲ 0.50% · 4.625%
HK$127,442
+HK$6,382/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$242,120/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,603,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,448
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$124,195
−HK$3,807/mo
Today · 4.125%
HK$128,002
baseline
▲ 0.50% · 4.625%
HK$135,790
+HK$7,788/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$256,004/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,998
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$137,591
−HK$3,646/mo
Today · 4.125%
HK$141,237
baseline
▲ 0.50% · 4.625%
HK$148,682
+HK$7,445/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$282,474/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,862
−HK$9,711/mo
▼ 0.25% · 3.875%
HK$159,679
−HK$4,894/mo
Today · 4.125%
HK$164,573
baseline
▲ 0.50% · 4.625%
HK$174,587
+HK$10,014/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$329,146/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,283
−HK$9,307/mo
▼ 0.25% · 3.875%
HK$176,903
−HK$4,687/mo
Today · 4.125%
HK$181,590
baseline
▲ 0.50% · 4.625%
HK$191,162
+HK$9,572/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$363,180/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,534 · Scale 2, in force from 26 Feb 2026)