LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,725
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,392
−HK$2,709/mo
Today · 4.125%
HK$91,101
baseline
▲ 0.50% · 4.625%
HK$96,644
+HK$5,543/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,202/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,597,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,369
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,926
−HK$2,595/mo
Today · 4.125%
HK$100,521
baseline
▲ 0.50% · 4.625%
HK$105,820
+HK$5,299/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,042/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,597,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,870
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,070
−HK$3,251/mo
Today · 4.125%
HK$109,321
baseline
▲ 0.50% · 4.625%
HK$115,973
+HK$6,652/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$218,642/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,597,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,442
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,512
−HK$3,113/mo
Today · 4.125%
HK$120,625
baseline
▲ 0.50% · 4.625%
HK$126,984
+HK$6,359/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$241,250/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,597,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,016
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$123,749
−HK$3,793/mo
Today · 4.125%
HK$127,542
baseline
▲ 0.50% · 4.625%
HK$135,302
+HK$7,760/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$255,084/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,597,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,516
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$137,097
−HK$3,633/mo
Today · 4.125%
HK$140,730
baseline
▲ 0.50% · 4.625%
HK$148,148
+HK$7,418/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$281,460/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,597,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,306
−HK$9,676/mo
▼ 0.25% · 3.875%
HK$159,105
−HK$4,877/mo
Today · 4.125%
HK$163,982
baseline
▲ 0.50% · 4.625%
HK$173,960
+HK$9,978/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$327,964/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,664
−HK$9,274/mo
▼ 0.25% · 3.875%
HK$176,267
−HK$4,671/mo
Today · 4.125%
HK$180,938
baseline
▲ 0.50% · 4.625%
HK$190,475
+HK$9,537/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$361,876/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,772 · Scale 2, in force from 26 Feb 2026)