LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,102
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,780
−HK$2,721/mo
Today · 4.125%
HK$91,501
baseline
▲ 0.50% · 4.625%
HK$97,068
+HK$5,567/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$183,002/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,787
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,356
−HK$2,606/mo
Today · 4.125%
HK$100,962
baseline
▲ 0.50% · 4.625%
HK$106,284
+HK$5,322/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$201,924/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,604,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,322
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,536
−HK$3,265/mo
Today · 4.125%
HK$109,801
baseline
▲ 0.50% · 4.625%
HK$116,482
+HK$6,681/mo
Deposit HK$15.10M · loan HK$22.66M · min. income ≈ HK$219,602/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,944
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,027
−HK$3,128/mo
Today · 4.125%
HK$121,155
baseline
▲ 0.50% · 4.625%
HK$127,541
+HK$6,386/mo
Deposit HK$15.10M · loan HK$22.66M · min. income ≈ HK$242,310/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,542
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$124,292
−HK$3,809/mo
Today · 4.125%
HK$128,101
baseline
▲ 0.50% · 4.625%
HK$135,896
+HK$7,795/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$256,202/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,102
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$137,698
−HK$3,649/mo
Today · 4.125%
HK$141,347
baseline
▲ 0.50% · 4.625%
HK$148,798
+HK$7,451/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$282,694/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,983
−HK$9,719/mo
▼ 0.25% · 3.875%
HK$159,804
−HK$4,898/mo
Today · 4.125%
HK$164,702
baseline
▲ 0.50% · 4.625%
HK$174,723
+HK$10,021/mo
Deposit HK$3.78M · loan HK$33.98M · min. income ≈ HK$329,404/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,417
−HK$9,315/mo
▼ 0.25% · 3.875%
HK$177,041
−HK$4,691/mo
Today · 4.125%
HK$181,732
baseline
▲ 0.50% · 4.625%
HK$191,311
+HK$9,579/mo
Deposit HK$3.78M · loan HK$33.98M · min. income ≈ HK$363,464/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,782 · Scale 2, in force from 26 Feb 2026)