LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,041
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,717
−HK$2,720/mo
Today · 4.125%
HK$91,437
baseline
▲ 0.50% · 4.625%
HK$97,000
+HK$5,563/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$182,874/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,720
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,287
−HK$2,604/mo
Today · 4.125%
HK$100,891
baseline
▲ 0.50% · 4.625%
HK$106,209
+HK$5,318/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$201,782/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,249
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,461
−HK$3,263/mo
Today · 4.125%
HK$109,724
baseline
▲ 0.50% · 4.625%
HK$116,400
+HK$6,676/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$219,448/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,603,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,864
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$117,944
−HK$3,126/mo
Today · 4.125%
HK$121,070
baseline
▲ 0.50% · 4.625%
HK$127,451
+HK$6,381/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$242,140/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,603,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,457
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$124,204
−HK$3,807/mo
Today · 4.125%
HK$128,011
baseline
▲ 0.50% · 4.625%
HK$135,800
+HK$7,789/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$256,022/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,008
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$137,602
−HK$3,646/mo
Today · 4.125%
HK$141,248
baseline
▲ 0.50% · 4.625%
HK$148,693
+HK$7,445/mo
Deposit HK$11.32M · loan HK$26.41M · min. income ≈ HK$282,496/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,874
−HK$9,712/mo
▼ 0.25% · 3.875%
HK$159,691
−HK$4,895/mo
Today · 4.125%
HK$164,586
baseline
▲ 0.50% · 4.625%
HK$174,601
+HK$10,015/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$329,172/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,296
−HK$9,308/mo
▼ 0.25% · 3.875%
HK$176,917
−HK$4,687/mo
Today · 4.125%
HK$181,604
baseline
▲ 0.50% · 4.625%
HK$191,177
+HK$9,573/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$363,208/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,656 · Scale 2, in force from 26 Feb 2026)