LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,545
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,205
−HK$2,704/mo
Today · 4.125%
HK$90,909
baseline
▲ 0.50% · 4.625%
HK$96,441
+HK$5,532/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$181,818/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,594,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,167
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,720
−HK$2,589/mo
Today · 4.125%
HK$100,309
baseline
▲ 0.50% · 4.625%
HK$105,596
+HK$5,287/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$200,618/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,594,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,653
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,847
−HK$3,244/mo
Today · 4.125%
HK$109,091
baseline
▲ 0.50% · 4.625%
HK$115,729
+HK$6,638/mo
Deposit HK$15.01M · loan HK$22.51M · min. income ≈ HK$218,182/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,201
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$117,264
−HK$3,107/mo
Today · 4.125%
HK$120,371
baseline
▲ 0.50% · 4.625%
HK$126,716
+HK$6,345/mo
Deposit HK$15.01M · loan HK$22.51M · min. income ≈ HK$240,742/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,762
−HK$7,510/mo
▼ 0.25% · 3.875%
HK$123,488
−HK$3,784/mo
Today · 4.125%
HK$127,272
baseline
▲ 0.50% · 4.625%
HK$135,017
+HK$7,745/mo
Deposit HK$11.25M · loan HK$26.26M · min. income ≈ HK$254,544/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,234
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$136,808
−HK$3,625/mo
Today · 4.125%
HK$140,433
baseline
▲ 0.50% · 4.625%
HK$147,835
+HK$7,402/mo
Deposit HK$11.25M · loan HK$26.26M · min. income ≈ HK$280,866/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,980
−HK$9,656/mo
▼ 0.25% · 3.875%
HK$158,770
−HK$4,866/mo
Today · 4.125%
HK$163,636
baseline
▲ 0.50% · 4.625%
HK$173,593
+HK$9,957/mo
Deposit HK$3.75M · loan HK$33.76M · min. income ≈ HK$327,272/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,301
−HK$9,255/mo
▼ 0.25% · 3.875%
HK$175,896
−HK$4,660/mo
Today · 4.125%
HK$180,556
baseline
▲ 0.50% · 4.625%
HK$190,074
+HK$9,518/mo
Deposit HK$3.75M · loan HK$33.76M · min. income ≈ HK$361,112/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,401 · Scale 2, in force from 26 Feb 2026)