LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,650
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,315
−HK$2,706/mo
Today · 4.125%
HK$91,021
baseline
▲ 0.50% · 4.625%
HK$96,560
+HK$5,539/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$182,042/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,285
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,841
−HK$2,592/mo
Today · 4.125%
HK$100,433
baseline
▲ 0.50% · 4.625%
HK$105,727
+HK$5,294/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$200,866/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,780
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,978
−HK$3,248/mo
Today · 4.125%
HK$109,226
baseline
▲ 0.50% · 4.625%
HK$115,872
+HK$6,646/mo
Deposit HK$15.02M · loan HK$22.54M · min. income ≈ HK$218,452/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,342
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,409
−HK$3,111/mo
Today · 4.125%
HK$120,520
baseline
▲ 0.50% · 4.625%
HK$126,873
+HK$6,353/mo
Deposit HK$15.02M · loan HK$22.54M · min. income ≈ HK$241,040/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,911
−HK$7,519/mo
▼ 0.25% · 3.875%
HK$123,640
−HK$3,790/mo
Today · 4.125%
HK$127,430
baseline
▲ 0.50% · 4.625%
HK$135,184
+HK$7,754/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$254,860/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,596,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,399
−HK$7,207/mo
▼ 0.25% · 3.875%
HK$136,977
−HK$3,629/mo
Today · 4.125%
HK$140,606
baseline
▲ 0.50% · 4.625%
HK$148,018
+HK$7,412/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$281,212/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,596,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,171
−HK$9,668/mo
▼ 0.25% · 3.875%
HK$158,966
−HK$4,873/mo
Today · 4.125%
HK$163,839
baseline
▲ 0.50% · 4.625%
HK$173,808
+HK$9,969/mo
Deposit HK$3.76M · loan HK$33.81M · min. income ≈ HK$327,678/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,513
−HK$9,267/mo
▼ 0.25% · 3.875%
HK$176,113
−HK$4,667/mo
Today · 4.125%
HK$180,780
baseline
▲ 0.50% · 4.625%
HK$190,309
+HK$9,529/mo
Deposit HK$3.76M · loan HK$33.81M · min. income ≈ HK$361,560/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,375 · Scale 2, in force from 26 Feb 2026)