LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,107
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,786
−HK$2,721/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$1,604,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,794
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,363
−HK$2,606/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$1,604,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,329
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,543
−HK$3,265/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$1,604,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,952
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,035
−HK$3,128/mo
Today · 4.125%
HK$121,163
baseline
▲ 0.50% · 4.625%
HK$127,549
+HK$6,386/mo
Deposit HK$15.10M · loan HK$22.66M · min. income ≈ HK$242,326/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,550
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$124,300
−HK$3,810/mo
Today · 4.125%
HK$128,110
baseline
▲ 0.50% · 4.625%
HK$135,905
+HK$7,795/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$256,220/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,111
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$137,708
−HK$3,649/mo
Today · 4.125%
HK$141,357
baseline
▲ 0.50% · 4.625%
HK$148,808
+HK$7,451/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$282,714/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,993
−HK$9,720/mo
▼ 0.25% · 3.875%
HK$159,814
−HK$4,899/mo
Today · 4.125%
HK$164,713
baseline
▲ 0.50% · 4.625%
HK$174,735
+HK$10,022/mo
Deposit HK$3.78M · loan HK$33.99M · min. income ≈ HK$329,426/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,428
−HK$9,316/mo
▼ 0.25% · 3.875%
HK$177,053
−HK$4,691/mo
Today · 4.125%
HK$181,744
baseline
▲ 0.50% · 4.625%
HK$191,324
+HK$9,580/mo
Deposit HK$3.78M · loan HK$33.99M · min. income ≈ HK$363,488/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,891 · Scale 2, in force from 26 Feb 2026)