LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,716
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,382
−HK$2,709/mo
Today · 4.125%
HK$91,091
baseline
▲ 0.50% · 4.625%
HK$96,633
+HK$5,542/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,182/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,358
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,915
−HK$2,595/mo
Today · 4.125%
HK$100,510
baseline
▲ 0.50% · 4.625%
HK$105,808
+HK$5,298/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,020/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,859
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,058
−HK$3,251/mo
Today · 4.125%
HK$109,309
baseline
▲ 0.50% · 4.625%
HK$115,960
+HK$6,651/mo
Deposit HK$15.04M · loan HK$22.55M · min. income ≈ HK$218,618/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,429
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,498
−HK$3,114/mo
Today · 4.125%
HK$120,612
baseline
▲ 0.50% · 4.625%
HK$126,969
+HK$6,357/mo
Deposit HK$15.04M · loan HK$22.55M · min. income ≈ HK$241,224/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,002
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$123,735
−HK$3,792/mo
Today · 4.125%
HK$127,527
baseline
▲ 0.50% · 4.625%
HK$135,287
+HK$7,760/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$255,054/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,501
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$137,081
−HK$3,632/mo
Today · 4.125%
HK$140,713
baseline
▲ 0.50% · 4.625%
HK$148,131
+HK$7,418/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$281,426/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,288
−HK$9,675/mo
▼ 0.25% · 3.875%
HK$159,087
−HK$4,876/mo
Today · 4.125%
HK$163,963
baseline
▲ 0.50% · 4.625%
HK$173,940
+HK$9,977/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$327,926/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,644
−HK$9,273/mo
▼ 0.25% · 3.875%
HK$176,247
−HK$4,670/mo
Today · 4.125%
HK$180,917
baseline
▲ 0.50% · 4.625%
HK$190,454
+HK$9,537/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$361,834/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,589 · Scale 2, in force from 26 Feb 2026)