LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,655
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,319
−HK$2,707/mo
Today · 4.125%
HK$91,026
baseline
▲ 0.50% · 4.625%
HK$96,565
+HK$5,539/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$182,052/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,290
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,846
−HK$2,593/mo
Today · 4.125%
HK$100,439
baseline
▲ 0.50% · 4.625%
HK$105,733
+HK$5,294/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$200,878/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,786
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,983
−HK$3,249/mo
Today · 4.125%
HK$109,232
baseline
▲ 0.50% · 4.625%
HK$115,878
+HK$6,646/mo
Deposit HK$15.03M · loan HK$22.54M · min. income ≈ HK$218,464/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,348
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,415
−HK$3,111/mo
Today · 4.125%
HK$120,526
baseline
▲ 0.50% · 4.625%
HK$126,879
+HK$6,353/mo
Deposit HK$15.03M · loan HK$22.54M · min. income ≈ HK$241,052/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,917
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$123,647
−HK$3,790/mo
Today · 4.125%
HK$127,437
baseline
▲ 0.50% · 4.625%
HK$135,191
+HK$7,754/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$254,874/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,596,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,406
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$136,984
−HK$3,630/mo
Today · 4.125%
HK$140,614
baseline
▲ 0.50% · 4.625%
HK$148,026
+HK$7,412/mo
Deposit HK$11.27M · loan HK$26.29M · min. income ≈ HK$281,228/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,596,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,179
−HK$9,668/mo
▼ 0.25% · 3.875%
HK$158,975
−HK$4,872/mo
Today · 4.125%
HK$163,847
baseline
▲ 0.50% · 4.625%
HK$173,817
+HK$9,970/mo
Deposit HK$3.76M · loan HK$33.81M · min. income ≈ HK$327,694/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,523
−HK$9,266/mo
▼ 0.25% · 3.875%
HK$176,123
−HK$4,666/mo
Today · 4.125%
HK$180,789
baseline
▲ 0.50% · 4.625%
HK$190,319
+HK$9,530/mo
Deposit HK$3.76M · loan HK$33.81M · min. income ≈ HK$361,578/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,460 · Scale 2, in force from 26 Feb 2026)