LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,050
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,727
−HK$2,719/mo
Today · 4.125%
HK$91,446
baseline
▲ 0.50% · 4.625%
HK$97,010
+HK$5,564/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$182,892/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,730
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,297
−HK$2,605/mo
Today · 4.125%
HK$100,902
baseline
▲ 0.50% · 4.625%
HK$106,220
+HK$5,318/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$201,804/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,260
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,472
−HK$3,263/mo
Today · 4.125%
HK$109,735
baseline
▲ 0.50% · 4.625%
HK$116,412
+HK$6,677/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$219,470/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,603,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,876
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$117,957
−HK$3,125/mo
Today · 4.125%
HK$121,082
baseline
▲ 0.50% · 4.625%
HK$127,464
+HK$6,382/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$242,164/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,603,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,470
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$124,217
−HK$3,808/mo
Today · 4.125%
HK$128,025
baseline
▲ 0.50% · 4.625%
HK$135,815
+HK$7,790/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$256,050/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,022
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$137,616
−HK$3,646/mo
Today · 4.125%
HK$141,262
baseline
▲ 0.50% · 4.625%
HK$148,709
+HK$7,447/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$282,524/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,890
−HK$9,713/mo
▼ 0.25% · 3.875%
HK$159,708
−HK$4,895/mo
Today · 4.125%
HK$164,603
baseline
▲ 0.50% · 4.625%
HK$174,619
+HK$10,016/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$329,206/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,314
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$176,935
−HK$4,688/mo
Today · 4.125%
HK$181,623
baseline
▲ 0.50% · 4.625%
HK$191,197
+HK$9,574/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$363,246/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,822 · Scale 2, in force from 26 Feb 2026)