LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,651
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,315
−HK$2,707/mo
Today · 4.125%
HK$91,022
baseline
▲ 0.50% · 4.625%
HK$96,560
+HK$5,538/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$182,044/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,286
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,841
−HK$2,593/mo
Today · 4.125%
HK$100,434
baseline
▲ 0.50% · 4.625%
HK$105,728
+HK$5,294/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$200,868/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,781
−HK$6,445/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$1,596,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,343
−HK$6,177/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$1,596,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,911
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$123,641
−HK$3,790/mo
Today · 4.125%
HK$127,431
baseline
▲ 0.50% · 4.625%
HK$135,184
+HK$7,753/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$254,862/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,596,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,400
−HK$7,207/mo
▼ 0.25% · 3.875%
HK$136,978
−HK$3,629/mo
Today · 4.125%
HK$140,607
baseline
▲ 0.50% · 4.625%
HK$148,019
+HK$7,412/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$281,214/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,596,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,171
−HK$9,668/mo
▼ 0.25% · 3.875%
HK$158,967
−HK$4,872/mo
Today · 4.125%
HK$163,839
baseline
▲ 0.50% · 4.625%
HK$173,809
+HK$9,970/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$1,596,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,514
−HK$9,267/mo
▼ 0.25% · 3.875%
HK$176,114
−HK$4,667/mo
Today · 4.125%
HK$180,781
baseline
▲ 0.50% · 4.625%
HK$190,310
+HK$9,529/mo
Deposit HK$3.76M · loan HK$33.81M · min. income ≈ HK$361,562/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,382 · Scale 2, in force from 26 Feb 2026)