LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,064
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,741
−HK$2,720/mo
Today · 4.125%
HK$91,461
baseline
▲ 0.50% · 4.625%
HK$97,026
+HK$5,565/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$182,922/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,745
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,313
−HK$2,605/mo
Today · 4.125%
HK$100,918
baseline
▲ 0.50% · 4.625%
HK$106,238
+HK$5,320/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$201,836/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,277
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,489
−HK$3,264/mo
Today · 4.125%
HK$109,753
baseline
▲ 0.50% · 4.625%
HK$116,431
+HK$6,678/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$219,506/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,604,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,895
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,976
−HK$3,126/mo
Today · 4.125%
HK$121,102
baseline
▲ 0.50% · 4.625%
HK$127,485
+HK$6,383/mo
Deposit HK$15.10M · loan HK$22.65M · min. income ≈ HK$242,204/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,604,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,490
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$124,238
−HK$3,807/mo
Today · 4.125%
HK$128,045
baseline
▲ 0.50% · 4.625%
HK$135,837
+HK$7,792/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$256,090/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,044
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$137,639
−HK$3,647/mo
Today · 4.125%
HK$141,286
baseline
▲ 0.50% · 4.625%
HK$148,733
+HK$7,447/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$282,572/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,915
−HK$9,715/mo
▼ 0.25% · 3.875%
HK$159,734
−HK$4,896/mo
Today · 4.125%
HK$164,630
baseline
▲ 0.50% · 4.625%
HK$174,647
+HK$10,017/mo
Deposit HK$3.77M · loan HK$33.97M · min. income ≈ HK$329,260/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,342
−HK$9,311/mo
▼ 0.25% · 3.875%
HK$176,964
−HK$4,689/mo
Today · 4.125%
HK$181,653
baseline
▲ 0.50% · 4.625%
HK$191,228
+HK$9,575/mo
Deposit HK$3.77M · loan HK$33.97M · min. income ≈ HK$363,306/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,085 · Scale 2, in force from 26 Feb 2026)