LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,663
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,327
−HK$2,708/mo
Today · 4.125%
HK$91,035
baseline
▲ 0.50% · 4.625%
HK$96,574
+HK$5,539/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$182,070/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,299
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,855
−HK$2,593/mo
Today · 4.125%
HK$100,448
baseline
▲ 0.50% · 4.625%
HK$105,742
+HK$5,294/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$200,896/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,795
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$105,993
−HK$3,249/mo
Today · 4.125%
HK$109,242
baseline
▲ 0.50% · 4.625%
HK$115,889
+HK$6,647/mo
Deposit HK$15.03M · loan HK$22.54M · min. income ≈ HK$218,484/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,359
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,426
−HK$3,111/mo
Today · 4.125%
HK$120,537
baseline
▲ 0.50% · 4.625%
HK$126,891
+HK$6,354/mo
Deposit HK$15.03M · loan HK$22.54M · min. income ≈ HK$241,074/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,928
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$123,658
−HK$3,790/mo
Today · 4.125%
HK$127,448
baseline
▲ 0.50% · 4.625%
HK$135,203
+HK$7,755/mo
Deposit HK$11.27M · loan HK$26.30M · min. income ≈ HK$254,896/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,596,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,419
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$136,997
−HK$3,630/mo
Today · 4.125%
HK$140,627
baseline
▲ 0.50% · 4.625%
HK$148,039
+HK$7,412/mo
Deposit HK$11.27M · loan HK$26.30M · min. income ≈ HK$281,254/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,596,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,193
−HK$9,669/mo
▼ 0.25% · 3.875%
HK$158,989
−HK$4,873/mo
Today · 4.125%
HK$163,862
baseline
▲ 0.50% · 4.625%
HK$173,833
+HK$9,971/mo
Deposit HK$3.76M · loan HK$33.81M · min. income ≈ HK$327,724/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,538
−HK$9,268/mo
▼ 0.25% · 3.875%
HK$176,139
−HK$4,667/mo
Today · 4.125%
HK$180,806
baseline
▲ 0.50% · 4.625%
HK$190,336
+HK$9,530/mo
Deposit HK$3.76M · loan HK$33.81M · min. income ≈ HK$361,612/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,606 · Scale 2, in force from 26 Feb 2026)