LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,107
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,785
−HK$2,722/mo
Today · 4.125%
HK$91,507
baseline
▲ 0.50% · 4.625%
HK$97,075
+HK$5,568/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$183,014/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,604,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,793
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,362
−HK$2,607/mo
Today · 4.125%
HK$100,969
baseline
▲ 0.50% · 4.625%
HK$106,291
+HK$5,322/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$201,938/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,604,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,328
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,542
−HK$3,266/mo
Today · 4.125%
HK$109,808
baseline
▲ 0.50% · 4.625%
HK$116,490
+HK$6,682/mo
Deposit HK$15.10M · loan HK$22.66M · min. income ≈ HK$219,616/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,952
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,035
−HK$3,127/mo
Today · 4.125%
HK$121,162
baseline
▲ 0.50% · 4.625%
HK$127,549
+HK$6,387/mo
Deposit HK$15.10M · loan HK$22.66M · min. income ≈ HK$242,324/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,550
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$124,300
−HK$3,809/mo
Today · 4.125%
HK$128,109
baseline
▲ 0.50% · 4.625%
HK$135,904
+HK$7,795/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$256,218/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,110
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$137,707
−HK$3,649/mo
Today · 4.125%
HK$141,356
baseline
▲ 0.50% · 4.625%
HK$148,807
+HK$7,451/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$282,712/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,993
−HK$9,719/mo
▼ 0.25% · 3.875%
HK$159,814
−HK$4,898/mo
Today · 4.125%
HK$164,712
baseline
▲ 0.50% · 4.625%
HK$174,734
+HK$10,022/mo
Deposit HK$3.78M · loan HK$33.99M · min. income ≈ HK$329,424/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,428
−HK$9,315/mo
▼ 0.25% · 3.875%
HK$177,052
−HK$4,691/mo
Today · 4.125%
HK$181,743
baseline
▲ 0.50% · 4.625%
HK$191,323
+HK$9,580/mo
Deposit HK$3.78M · loan HK$33.99M · min. income ≈ HK$363,486/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,884 · Scale 2, in force from 26 Feb 2026)