LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,717
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,383
−HK$2,709/mo
Today · 4.125%
HK$91,092
baseline
▲ 0.50% · 4.625%
HK$96,635
+HK$5,543/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,184/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,359
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,916
−HK$2,595/mo
Today · 4.125%
HK$100,511
baseline
▲ 0.50% · 4.625%
HK$105,809
+HK$5,298/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,022/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,860
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,059
−HK$3,251/mo
Today · 4.125%
HK$109,310
baseline
▲ 0.50% · 4.625%
HK$115,961
+HK$6,651/mo
Deposit HK$15.04M · loan HK$22.55M · min. income ≈ HK$218,620/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,431
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,500
−HK$3,113/mo
Today · 4.125%
HK$120,613
baseline
▲ 0.50% · 4.625%
HK$126,971
+HK$6,358/mo
Deposit HK$15.04M · loan HK$22.55M · min. income ≈ HK$241,226/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,003
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$123,736
−HK$3,793/mo
Today · 4.125%
HK$127,529
baseline
▲ 0.50% · 4.625%
HK$135,288
+HK$7,759/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$255,058/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,502
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$137,083
−HK$3,632/mo
Today · 4.125%
HK$140,715
baseline
▲ 0.50% · 4.625%
HK$148,132
+HK$7,417/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$281,430/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,290
−HK$9,675/mo
▼ 0.25% · 3.875%
HK$159,089
−HK$4,876/mo
Today · 4.125%
HK$163,965
baseline
▲ 0.50% · 4.625%
HK$173,942
+HK$9,977/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$327,930/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,646
−HK$9,273/mo
▼ 0.25% · 3.875%
HK$176,249
−HK$4,670/mo
Today · 4.125%
HK$180,919
baseline
▲ 0.50% · 4.625%
HK$190,456
+HK$9,537/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$361,838/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,608 · Scale 2, in force from 26 Feb 2026)