LTV · monthly repayment
▼ 0.50% · 3.625%
HK$85,727
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,394
−HK$2,709/mo
Today · 4.125%
HK$91,103
baseline
▲ 0.50% · 4.625%
HK$96,646
+HK$5,543/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,206/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,597,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,371
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,928
−HK$2,595/mo
Today · 4.125%
HK$100,523
baseline
▲ 0.50% · 4.625%
HK$105,822
+HK$5,299/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,046/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,597,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,873
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,073
−HK$3,251/mo
Today · 4.125%
HK$109,324
baseline
▲ 0.50% · 4.625%
HK$115,976
+HK$6,652/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$218,648/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,597,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,445
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,514
−HK$3,114/mo
Today · 4.125%
HK$120,628
baseline
▲ 0.50% · 4.625%
HK$126,986
+HK$6,358/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$241,256/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,597,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,018
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$123,751
−HK$3,793/mo
Today · 4.125%
HK$127,544
baseline
▲ 0.50% · 4.625%
HK$135,305
+HK$7,761/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$255,088/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,597,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,519
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$137,100
−HK$3,632/mo
Today · 4.125%
HK$140,732
baseline
▲ 0.50% · 4.625%
HK$148,151
+HK$7,419/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$281,464/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,597,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,309
−HK$9,676/mo
▼ 0.25% · 3.875%
HK$159,109
−HK$4,876/mo
Today · 4.125%
HK$163,985
baseline
▲ 0.50% · 4.625%
HK$173,964
+HK$9,979/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$327,970/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,667
−HK$9,275/mo
▼ 0.25% · 3.875%
HK$176,271
−HK$4,671/mo
Today · 4.125%
HK$180,942
baseline
▲ 0.50% · 4.625%
HK$190,479
+HK$9,537/mo
Deposit HK$3.76M · loan HK$33.84M · min. income ≈ HK$361,884/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,805 · Scale 2, in force from 26 Feb 2026)