LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,221
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,903
−HK$2,724/mo
Today · 4.125%
HK$91,627
baseline
▲ 0.50% · 4.625%
HK$97,203
+HK$5,576/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$183,254/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,607,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,920
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$98,492
−HK$2,610/mo
Today · 4.125%
HK$101,102
baseline
▲ 0.50% · 4.625%
HK$106,431
+HK$5,329/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$202,204/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,607,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,465
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,683
−HK$3,270/mo
Today · 4.125%
HK$109,953
baseline
▲ 0.50% · 4.625%
HK$116,643
+HK$6,690/mo
Deposit HK$15.12M · loan HK$22.69M · min. income ≈ HK$219,906/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,607,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,103
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,190
−HK$3,132/mo
Today · 4.125%
HK$121,322
baseline
▲ 0.50% · 4.625%
HK$127,717
+HK$6,395/mo
Deposit HK$15.12M · loan HK$22.69M · min. income ≈ HK$242,644/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,607,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,709
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$124,464
−HK$3,814/mo
Today · 4.125%
HK$128,278
baseline
▲ 0.50% · 4.625%
HK$136,084
+HK$7,806/mo
Deposit HK$11.34M · loan HK$26.47M · min. income ≈ HK$256,556/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,607,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,287
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$137,889
−HK$3,653/mo
Today · 4.125%
HK$141,542
baseline
▲ 0.50% · 4.625%
HK$149,003
+HK$7,461/mo
Deposit HK$11.34M · loan HK$26.47M · min. income ≈ HK$283,084/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,607,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,197
−HK$9,732/mo
▼ 0.25% · 3.875%
HK$160,025
−HK$4,904/mo
Today · 4.125%
HK$164,929
baseline
▲ 0.50% · 4.625%
HK$174,965
+HK$10,036/mo
Deposit HK$3.78M · loan HK$34.03M · min. income ≈ HK$329,858/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,655
−HK$9,328/mo
▼ 0.25% · 3.875%
HK$177,286
−HK$4,697/mo
Today · 4.125%
HK$181,983
baseline
▲ 0.50% · 4.625%
HK$191,576
+HK$9,593/mo
Deposit HK$3.78M · loan HK$34.03M · min. income ≈ HK$363,966/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,002 · Scale 2, in force from 26 Feb 2026)