LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,715
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,381
−HK$2,709/mo
Today · 4.125%
HK$91,090
baseline
▲ 0.50% · 4.625%
HK$96,633
+HK$5,543/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,180/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,357
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,914
−HK$2,595/mo
Today · 4.125%
HK$100,509
baseline
▲ 0.50% · 4.625%
HK$105,807
+HK$5,298/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,018/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,858
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,057
−HK$3,251/mo
Today · 4.125%
HK$109,308
baseline
▲ 0.50% · 4.625%
HK$115,959
+HK$6,651/mo
Deposit HK$15.04M · loan HK$22.55M · min. income ≈ HK$218,616/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,428
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,497
−HK$3,114/mo
Today · 4.125%
HK$120,611
baseline
▲ 0.50% · 4.625%
HK$126,968
+HK$6,357/mo
Deposit HK$15.04M · loan HK$22.55M · min. income ≈ HK$241,222/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,001
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$123,734
−HK$3,792/mo
Today · 4.125%
HK$127,526
baseline
▲ 0.50% · 4.625%
HK$135,286
+HK$7,760/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$255,052/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,500
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$137,080
−HK$3,632/mo
Today · 4.125%
HK$140,712
baseline
▲ 0.50% · 4.625%
HK$148,129
+HK$7,417/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$281,424/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,287
−HK$9,675/mo
▼ 0.25% · 3.875%
HK$159,086
−HK$4,876/mo
Today · 4.125%
HK$163,962
baseline
▲ 0.50% · 4.625%
HK$173,939
+HK$9,977/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$327,924/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,643
−HK$9,273/mo
▼ 0.25% · 3.875%
HK$176,246
−HK$4,670/mo
Today · 4.125%
HK$180,916
baseline
▲ 0.50% · 4.625%
HK$190,452
+HK$9,536/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$361,832/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,576 · Scale 2, in force from 26 Feb 2026)