LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,119
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,798
−HK$2,721/mo
Today · 4.125%
HK$91,519
baseline
▲ 0.50% · 4.625%
HK$97,088
+HK$5,569/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$183,038/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,605,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,806
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,376
−HK$2,606/mo
Today · 4.125%
HK$100,982
baseline
▲ 0.50% · 4.625%
HK$106,305
+HK$5,323/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$201,964/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,605,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,343
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,557
−HK$3,266/mo
Today · 4.125%
HK$109,823
baseline
▲ 0.50% · 4.625%
HK$116,505
+HK$6,682/mo
Deposit HK$15.11M · loan HK$22.66M · min. income ≈ HK$219,646/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,605,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,968
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,051
−HK$3,128/mo
Today · 4.125%
HK$121,179
baseline
▲ 0.50% · 4.625%
HK$127,566
+HK$6,387/mo
Deposit HK$15.11M · loan HK$22.66M · min. income ≈ HK$242,358/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,605,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,566
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$124,317
−HK$3,810/mo
Today · 4.125%
HK$128,127
baseline
▲ 0.50% · 4.625%
HK$135,923
+HK$7,796/mo
Deposit HK$11.33M · loan HK$26.44M · min. income ≈ HK$256,254/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,605,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,129
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$137,726
−HK$3,649/mo
Today · 4.125%
HK$141,375
baseline
▲ 0.50% · 4.625%
HK$148,827
+HK$7,452/mo
Deposit HK$11.33M · loan HK$26.44M · min. income ≈ HK$282,750/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,605,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,014
−HK$9,721/mo
▼ 0.25% · 3.875%
HK$159,836
−HK$4,899/mo
Today · 4.125%
HK$164,735
baseline
▲ 0.50% · 4.625%
HK$174,758
+HK$10,023/mo
Deposit HK$3.78M · loan HK$33.99M · min. income ≈ HK$329,470/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,605,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,451
−HK$9,317/mo
▼ 0.25% · 3.875%
HK$177,076
−HK$4,692/mo
Today · 4.125%
HK$181,768
baseline
▲ 0.50% · 4.625%
HK$191,350
+HK$9,582/mo
Deposit HK$3.78M · loan HK$33.99M · min. income ≈ HK$363,536/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,605,104 · Scale 2, in force from 26 Feb 2026)