LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,666
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,331
−HK$2,707/mo
Today · 4.125%
HK$91,038
baseline
▲ 0.50% · 4.625%
HK$96,578
+HK$5,540/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$182,076/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,303
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,859
−HK$2,593/mo
Today · 4.125%
HK$100,452
baseline
▲ 0.50% · 4.625%
HK$105,747
+HK$5,295/mo
Deposit HK$18.78M · loan HK$18.78M · min. income ≈ HK$200,904/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,596,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,799
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$105,997
−HK$3,249/mo
Today · 4.125%
HK$109,246
baseline
▲ 0.50% · 4.625%
HK$115,893
+HK$6,647/mo
Deposit HK$15.03M · loan HK$22.54M · min. income ≈ HK$218,492/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,363
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,430
−HK$3,112/mo
Today · 4.125%
HK$120,542
baseline
▲ 0.50% · 4.625%
HK$126,896
+HK$6,354/mo
Deposit HK$15.03M · loan HK$22.54M · min. income ≈ HK$241,084/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,596,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,933
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$123,663
−HK$3,790/mo
Today · 4.125%
HK$127,453
baseline
▲ 0.50% · 4.625%
HK$135,209
+HK$7,756/mo
Deposit HK$11.27M · loan HK$26.30M · min. income ≈ HK$254,906/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,596,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,424
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$137,002
−HK$3,630/mo
Today · 4.125%
HK$140,632
baseline
▲ 0.50% · 4.625%
HK$148,045
+HK$7,413/mo
Deposit HK$11.27M · loan HK$26.30M · min. income ≈ HK$281,264/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,596,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,199
−HK$9,670/mo
▼ 0.25% · 3.875%
HK$158,995
−HK$4,874/mo
Today · 4.125%
HK$163,869
baseline
▲ 0.50% · 4.625%
HK$173,840
+HK$9,971/mo
Deposit HK$3.76M · loan HK$33.81M · min. income ≈ HK$327,738/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,545
−HK$9,268/mo
▼ 0.25% · 3.875%
HK$176,146
−HK$4,667/mo
Today · 4.125%
HK$180,813
baseline
▲ 0.50% · 4.625%
HK$190,344
+HK$9,531/mo
Deposit HK$3.76M · loan HK$33.81M · min. income ≈ HK$361,626/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,596,667 · Scale 2, in force from 26 Feb 2026)