LTV · monthly repayment
▼ 0.50% · 3.625%
HK$86,277
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$88,961
−HK$2,727/mo
Today · 4.125%
HK$91,688
baseline
▲ 0.50% · 4.625%
HK$97,267
+HK$5,579/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$183,376/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,608,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,983
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,557
−HK$2,611/mo
Today · 4.125%
HK$101,168
baseline
▲ 0.50% · 4.625%
HK$106,501
+HK$5,333/mo
Deposit HK$18.92M · loan HK$18.92M · min. income ≈ HK$202,336/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,608,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,533
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,753
−HK$3,272/mo
Today · 4.125%
HK$110,025
baseline
▲ 0.50% · 4.625%
HK$116,720
+HK$6,695/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$220,050/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,608,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,179
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,268
−HK$3,134/mo
Today · 4.125%
HK$121,402
baseline
▲ 0.50% · 4.625%
HK$127,801
+HK$6,399/mo
Deposit HK$15.13M · loan HK$22.70M · min. income ≈ HK$242,804/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,608,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,788
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$124,545
−HK$3,818/mo
Today · 4.125%
HK$128,363
baseline
▲ 0.50% · 4.625%
HK$136,173
+HK$7,810/mo
Deposit HK$11.35M · loan HK$26.49M · min. income ≈ HK$256,726/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,608,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,376
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$137,980
−HK$3,656/mo
Today · 4.125%
HK$141,636
baseline
▲ 0.50% · 4.625%
HK$149,101
+HK$7,465/mo
Deposit HK$11.35M · loan HK$26.49M · min. income ≈ HK$283,272/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,608,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,299
−HK$9,739/mo
▼ 0.25% · 3.875%
HK$160,130
−HK$4,908/mo
Today · 4.125%
HK$165,038
baseline
▲ 0.50% · 4.625%
HK$175,080
+HK$10,042/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$330,076/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,769
−HK$9,334/mo
▼ 0.25% · 3.875%
HK$177,402
−HK$4,701/mo
Today · 4.125%
HK$182,103
baseline
▲ 0.50% · 4.625%
HK$191,702
+HK$9,599/mo
Deposit HK$3.78M · loan HK$34.05M · min. income ≈ HK$364,206/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,608,058 · Scale 2, in force from 26 Feb 2026)