LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,164
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,845
−HK$2,723/mo
Today · 4.125%
HK$91,568
baseline
▲ 0.50% · 4.625%
HK$97,139
+HK$5,571/mo
Deposit HK$18.89M · loan HK$18.89M · min. income ≈ HK$183,136/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,605,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,857
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,428
−HK$2,608/mo
Today · 4.125%
HK$101,036
baseline
▲ 0.50% · 4.625%
HK$106,362
+HK$5,326/mo
Deposit HK$18.89M · loan HK$18.89M · min. income ≈ HK$202,072/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,605,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,397
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,614
−HK$3,267/mo
Today · 4.125%
HK$109,881
baseline
▲ 0.50% · 4.625%
HK$116,567
+HK$6,686/mo
Deposit HK$15.11M · loan HK$22.67M · min. income ≈ HK$219,762/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,605,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,029
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$118,114
−HK$3,129/mo
Today · 4.125%
HK$121,243
baseline
▲ 0.50% · 4.625%
HK$127,634
+HK$6,391/mo
Deposit HK$15.11M · loan HK$22.67M · min. income ≈ HK$242,486/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,605,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,630
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$124,383
−HK$3,812/mo
Today · 4.125%
HK$128,195
baseline
▲ 0.50% · 4.625%
HK$135,995
+HK$7,800/mo
Deposit HK$11.34M · loan HK$26.45M · min. income ≈ HK$256,390/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,605,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,200
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$137,799
−HK$3,651/mo
Today · 4.125%
HK$141,450
baseline
▲ 0.50% · 4.625%
HK$148,906
+HK$7,456/mo
Deposit HK$11.34M · loan HK$26.45M · min. income ≈ HK$282,900/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,605,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,096
−HK$9,726/mo
▼ 0.25% · 3.875%
HK$159,920
−HK$4,902/mo
Today · 4.125%
HK$164,822
baseline
▲ 0.50% · 4.625%
HK$174,851
+HK$10,029/mo
Deposit HK$3.78M · loan HK$34.01M · min. income ≈ HK$329,644/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,605,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,543
−HK$9,322/mo
▼ 0.25% · 3.875%
HK$177,170
−HK$4,695/mo
Today · 4.125%
HK$181,865
baseline
▲ 0.50% · 4.625%
HK$191,451
+HK$9,586/mo
Deposit HK$3.78M · loan HK$34.01M · min. income ≈ HK$363,730/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,605,956 · Scale 2, in force from 26 Feb 2026)