LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,658
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,323
−HK$2,707/mo
Today · 4.125%
HK$91,030
baseline
▲ 0.50% · 4.625%
HK$96,569
+HK$5,539/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$182,060/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,294
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,849
−HK$2,593/mo
Today · 4.125%
HK$100,442
baseline
▲ 0.50% · 4.625%
HK$105,737
+HK$5,295/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$200,884/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,790
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,987
−HK$3,249/mo
Today · 4.125%
HK$109,236
baseline
▲ 0.50% · 4.625%
HK$115,882
+HK$6,646/mo
Deposit HK$15.03M · loan HK$22.54M · min. income ≈ HK$218,472/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,352
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,419
−HK$3,112/mo
Today · 4.125%
HK$120,531
baseline
▲ 0.50% · 4.625%
HK$126,884
+HK$6,353/mo
Deposit HK$15.03M · loan HK$22.54M · min. income ≈ HK$241,062/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,921
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$123,652
−HK$3,789/mo
Today · 4.125%
HK$127,441
baseline
▲ 0.50% · 4.625%
HK$135,196
+HK$7,755/mo
Deposit HK$11.27M · loan HK$26.30M · min. income ≈ HK$254,882/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,596,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,411
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$136,989
−HK$3,630/mo
Today · 4.125%
HK$140,619
baseline
▲ 0.50% · 4.625%
HK$148,031
+HK$7,412/mo
Deposit HK$11.27M · loan HK$26.30M · min. income ≈ HK$281,238/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,596,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,185
−HK$9,668/mo
▼ 0.25% · 3.875%
HK$158,981
−HK$4,872/mo
Today · 4.125%
HK$163,853
baseline
▲ 0.50% · 4.625%
HK$173,823
+HK$9,970/mo
Deposit HK$3.76M · loan HK$33.81M · min. income ≈ HK$327,706/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,529
−HK$9,267/mo
▼ 0.25% · 3.875%
HK$176,129
−HK$4,667/mo
Today · 4.125%
HK$180,796
baseline
▲ 0.50% · 4.625%
HK$190,326
+HK$9,530/mo
Deposit HK$3.76M · loan HK$33.81M · min. income ≈ HK$361,592/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,517 · Scale 2, in force from 26 Feb 2026)