LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,637
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,301
−HK$2,706/mo
Today · 4.125%
HK$91,007
baseline
▲ 0.50% · 4.625%
HK$96,545
+HK$5,538/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$182,014/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,596,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,270
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,825
−HK$2,592/mo
Today · 4.125%
HK$100,417
baseline
▲ 0.50% · 4.625%
HK$105,711
+HK$5,294/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$200,834/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,596,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,764
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,961
−HK$3,248/mo
Today · 4.125%
HK$109,209
baseline
▲ 0.50% · 4.625%
HK$115,854
+HK$6,645/mo
Deposit HK$15.02M · loan HK$22.53M · min. income ≈ HK$218,418/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,324
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,390
−HK$3,111/mo
Today · 4.125%
HK$120,501
baseline
▲ 0.50% · 4.625%
HK$126,853
+HK$6,352/mo
Deposit HK$15.02M · loan HK$22.53M · min. income ≈ HK$241,002/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,892
−HK$7,518/mo
▼ 0.25% · 3.875%
HK$123,621
−HK$3,789/mo
Today · 4.125%
HK$127,410
baseline
▲ 0.50% · 4.625%
HK$135,163
+HK$7,753/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$254,820/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,596,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,378
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$136,955
−HK$3,629/mo
Today · 4.125%
HK$140,584
baseline
▲ 0.50% · 4.625%
HK$147,995
+HK$7,411/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$281,168/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,596,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,147
−HK$9,666/mo
▼ 0.25% · 3.875%
HK$158,941
−HK$4,872/mo
Today · 4.125%
HK$163,813
baseline
▲ 0.50% · 4.625%
HK$173,780
+HK$9,967/mo
Deposit HK$3.76M · loan HK$33.80M · min. income ≈ HK$327,626/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,486
−HK$9,265/mo
▼ 0.25% · 3.875%
HK$176,086
−HK$4,665/mo
Today · 4.125%
HK$180,751
baseline
▲ 0.50% · 4.625%
HK$190,279
+HK$9,528/mo
Deposit HK$3.76M · loan HK$33.80M · min. income ≈ HK$361,502/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,124 · Scale 2, in force from 26 Feb 2026)